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Speeding Up Auto Loan Decisions With All In Credit Union

By Zest AI
February 2022

Founded in 1966, All In Credit Union is a full-service financial institution with 26 branches in Mobile and Southeastern Alabama and the Florida Panhandle. It is consistently ranked among the best credit unions in the U.S. by Bauer Financial, and has posted extraordinary growth in its five decades in business. Like most credit unions, All In was looking for faster loan growth in the face of rising deposits. It had set aggressive goals for automated vehicle lending with faster approvals across its branches and online, especially indirect channels. All In explored the credit bureaus for a solution, but ended up choosing Zest because it wanted an AI lending partner with stronger technical capabilities and a responsive client services team. All In’s new tailored credit model, built using Zest software, went live in March 2020 and was able to achieve all three of its objectives: more approvals, more automation, and immediate increases in revenue. Download the case study to find out how.

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About Zest AI

Zest AI is a mission-driven software company that helps credit unions and banks answer their most important question: Who do I lend to? Zest’s Model Management System lets lenders break the limitations of traditional credit scores to identify good borrowers overlooked by legacy techniques.

Zest has been on a mission to make fair and transparent credit available to all since 2009 and are pioneers in the safe use of AI in credit underwriting.