Consumer Lending Software
Turn Borrower Journeys Into Instant Loan Decisions.
Give your borrowers a smooth, digital journey and let your team approve the right loans faster with Zoot’s fully configurable consumer lending solution.
Boost Digital Conversions
Make it easy for customers to start their journey with fast, branded onboarding that works on both web and mobile.
Accelerate Loan Decisions
Say yes to the right loans faster, with built-in data orchestration and automated decision-making tools in one place.
Automate Risk Checks
Let automated checks take care of KYC, AML, and fraud screening. No manual steps or third-party juggling
Consumer Lending Features
From easy digital onboarding to fast, confident approvals, our consumer lending solution helps your teams move borrowers through every step by automating workflows and managing risk, without the usual hassle.
Speed up Confident Lending Approvals
In consumer lending, speed isn’t just a convenience—it’s a competitive advantage. From personal loans to retail finance, lenders need to deliver instant decisions without compromising risk oversight or compliance.
Reduce drop-off rates with seamless, responsive credit journeys
Automate risk, fraud, and affordability checks in real time
Deliver sub-second decisions for personal loans and retail financing
Access 350+ data sources instantly through pre-integrated connectors
With faster, smarter decisions, you convert more applicants, reduce overhead, and meet rising customer expectations.
Assess Creditworthiness in Real Time
In personal lending, long-term success depends on making responsible credit decisions from the start. Zoot helps you assess creditworthiness and affordability in real time—so you can lend with confidence and care.
Combine traditional credit scores with real-time income and expense data
Automate affordability checks using bureau, open banking, or declared data
Apply tailored rules for product types, income levels, or risk bands
Flag borderline cases for manual review through integrated case handling
Better credit decisions mean fewer defaults, more sustainable growth, and fairer treatment for every applicant.
Stop Fraud Before It Starts
Fast applications shouldn’t mean blind trust. Zoot helps you prevent fraud and identity misuse by embedding intelligent controls directly into the credit journey.
Run real-time identity verification at onboarding
Detect synthetic identities, account takeovers, and data anomalies
Integrate watchlist screening, behavioural data, and blacklist logic
Route suspicious applications to structured manual review instantly
Protecting your portfolio starts with knowing who you’re dealing with—before the money goes out the door.
Move Fast and Change Without Friction
Whether you’re reacting to regulatory updates, adjusting risk thresholds, or launching new loan products—speed matters. Zoot gives you full control over decisions, journeys, and workflows, so you can adapt instantly without waiting on IT or vendors.
Update credit policies, onboarding screens, and workflows in real time
Empower business users to test, launch, and govern logic independently
Localise decisions per product, country, or brand—all from a single platform
Ensure transparency with version control and audit trails.
With Zoot, agility isn’t limited to developers—it’s built into the platform, ready for your business teams to drive change at scale.
Zoot’s Preconfigured Industry Solution | Consumer Lending
Launch new lending products in weeks, not months. Our consumer lending solution comes with ready-to-use digital flows, proven risk strategies, and built-in data connections, all fully customisable so you can move fast without losing control.
Prebuilt Digital Workflows
Guide your customers from application to approval with flows designed for unsecured lending, instantly deployable and easy to tailor.
Preconfigured Rules & Workflows
Apply tried-and-tested credit and affordability checks with configurable rules and scorecards, so you don’t have to build from scratch
Composable Architecture
Access leading credit bureaus, fraud detection services, and identity providers through ready-made integrations that save time and reduce complexity.
Steven Schools
Zoot was the ideal partner to accompany Vanquis on its strategic large-scale plan, influencing the organisation’s approach to strategic partnerships ever since.
Why choose Zoot?
99% Uptime
350+ Data Providers
Consumer Lending Built for Your Industry
Banking
Discover how automation and real-time data power banks to approve loans faster and stay fully compliant.
Retail & E-Commerce
See how seamless, branded digital lending can boost conversions and customer loyalty in retail and ecommerce.
Frequently asked questions
How can I automate the consumer loan approval process?
We enable low-risk applications to be auto-approved in seconds, while routing complex cases to underwriting, with full audit trails.
How do I streamline KYC and fraud checks?
Use our Data Gateway to orchestrate checks across multiple providers in a single workflow—no need for custom integrations.
Can I customise the onboarding flow for different customer types?
Yes. We offer flexible, drag-and-drop configuration to create distinct journeys for salaried individuals, freelancers, or SMEs.
How quickly can I launch a new lending product?
Go from idea to launch in a matter of weeks with reusable templates, low-code tools, and pre-integrated data sources.
Say Yes Sooner, Without Second-Guessing
Let’s help you build frictionless lending from day one.