Lending with Confidence and Control
Zoot’s installment loan origination platform allows lenders to simplify complex workflows while preserving precision and oversight. Through automation and connected data, institutions can enhance credit decisions, eliminate redundancies, and adapt to changing market demands without sacrificing compliance or customer trust.
The result is a lending process that runs efficiently from end to end. With manual steps minimized and data automatically validated, your team can focus on growth initiatives, product optimization, and deliver experiences that build long-term loyalty. By integrating seamlessly into your existing systems, Zoot helps you scale intelligently while keeping control at every stage of the loan lifecycle.
Free up your team to focus on optimizing offers, strengthening partnerships, and improving program performance by eliminating repetitive processes and setting the foundation for long-term growth.
Grow Market Share
Strategically grow your installment loan program by managing risk at the account level, adapting quickly to market shifts and customer needs.
Enhance Operational Efficiency
Streamline operations with our installment loan origination software, enabling immediate purchasing power and a seamless customer experience.
Manage Regulatory Compliance
Utilize Zoot’s flexible technology & testing tools to address compliance needs and employ best-practice credit risk management.
Deliver Approvals with Automated Intelligence
Modern borrowers expect immediacy, and Zoot’s technology delivers it. Our decisioning engine evaluates identity, credit, and affordability data in real time, empowering lenders to approve qualified applicants within seconds. This instant yet responsible approach enables lenders to meet rising expectations while maintaining full transparency and regulatory compliance.
Every decision is traceable and explainable, giving institutions the insight to refine policies, strengthen governance, and adjust risk tolerance as needed. With data flowing seamlessly through automated rules and workflows, Zoot ensures each approval is consistent, compliant, and aligned with your organization’s lending strategy.
Meeting Your Needs,
and Exceeding Your Goals
Zoot offers a range of ready-made and fully tailored origination systems designed to streamline processes and drive better outcomes across lines of business. Whatever your needs, we have the perfect fit for you.
Base Installment Loan Package
The essential tools & features your organization needs to quickly stand-up or modernize a competitive installment loan stack.
Industry Leading Technology:
2-6 Week Implementation*
Flexible Platform Grows with You
Single API Connection
- Full Integration with Core Software
Includes up to 5 Offer Assignment Modules
- Branded Application Screens
- Save & Continue Later
- Balance Transfers
- Authorized Users
- Multi-Channel Application Support
- Adverse Action Enabled
- Notes Capture, History, & Audit-Trail Tracking
- Standard Reporting
Advanced Underwriting
- Configurable User-Level Permissions
- Optimized Back-end Processes
- Standard & Custom Override Reasons
- Preformatted Decision Comments
Customizable Policy Attributes
- Consumer Credit Score Waterfall
- KYC/Fraud Triggers
- Rule Configuration
Professional
Installment Loan Package
Our most popular solution, everything you need for rapid implementation & integration of advanced logic, data providers, and decisioning.
Everything You Need from Base:
- Industry Leading Technology
- Flexible Platform Grows with You
- Single API Connection
- Custom Offer Assignment Products
- Advanced Underwriting
Plus the Right Additions to
Level-Up Your Loan Assignment Program:
- Custom Reporting & Data Extracts
- Full Customer Marketing Support
- Additional Application Channels
- Single Sign-On Integration
Fully Customizable Decision Rules & Logic
- Industry-Leading Workflow Customization
- Configurable Routing & Queuing Logic
- Seamless Integration with Core Systems
- Actionable Customer Profile Insights
Ability to Integrate Any Data
- Full Integration of Branch & Online Banking Platforms
- Connect with 3rd Party AI Solutions
- Access Existing Connections with Over 70 Best-of-Breed Data Partners
- Seamless Integration with Any Data Source or Provider
24 / 7 / 365 Platform Monitoring & Support
Elite Installment Loan Package
Combine tailored development, intelligent automation, & actionable data integration to streamline operations and deliver personalized customer experiences.
Guidance & Support for Any Project:
Our Elite Installment loan package empowers financial institutions with a robust, customizable platform designed to meet the demands of modern offer assignment modules. From tailored product development to scaled agile delivery, we partner with your team to co-develop or fully engineer solutions that match your vision.
Your Ideas Put Into Action
- Consultative Approach
- LOB, Division, or Enterprise-Wide Capable
- Future-ready, Scalable Platforms
- Efficient Development Starts with Pre-Built Libraries & Workflows
- Co-Development Flexibility
- Integration Across Systems
- Custom Data Integrations
Enhance Your Platform with Powerful Features
- Integrated Application Fraud Alerts
- Seamlessly Incorporate Batch Prescreen, Prescreen-of-One, Prequalification, and/or Cross-Sell
- Embed Offers & Applications into Any Part of the Customer Experience
24 / 7 / 365 Platform Monitoring & Support
*Implementation time may vary based on platform complexity & documentation support. Professional & Elite LOS implementations are subject to platform requirements and sizing.
Schedule a Consultation
Explore Zoot’s Capabilities or schedule a consultation with our team to learn how our LOS can make an impact at your organization.
Elevate the Borrower Experience
Zoot’s installment loan origination solution was built with the borrower in mind. From application to funding, every step is designed to reduce friction and create a transparent, personalized experience. Intuitive workflows guide applicants through the process with clarity and precision, ensuring they receive quick, accurate decisions without unnecessary barriers.
By connecting data in real time and automating verification, lenders can deliver speed and simplicity to today’s consumers expect—while preserving fairness, security, and trust. This balance of efficiency and empathy strengthens customer relationships and enhances your institution’s reputation as a reliable lending partner.
“If we tried to build something internally, our cost probably would have been tenfold if not more… Our ability to implement changes has been night & day better than in some internal legacy systems.”
Scale with Agility and Assurance
As lending models evolve, Zoot’s configurable architecture ensures your business can evolve with them. The platform supports rapid deployment of new products, markets, and credit policies without requiring extensive redevelopment or downtime. Every component is designed for scalability, enabling you to introduce new installation programs, test strategies, and adjust workflows in response to shifting market conditions.
Whether expanding your portfolio or modernizing legacy systems, Zoot provides flexibility and intelligence to support sustainable growth. With continuous innovation and enterprise-level support, your organization can adapt quickly, serve borrowers more effectively, and lead confidently in the competitive lending environment.
Fuel Success
with the Right Data
Ensure confidence in every decision with access to top-tier data providers within your origination system, whether enhancing risk assessment, streamlining approvals, or improving customer experiences.
Zoot’s origination software centralizes data and reports, empowering analysts to drive smarter, faster decisions, and providing quicker responses to your customers by intelligently acquiring and orchestrating the right data at the right time.
Easily integrate with existing systems through Zoot’s API, simplifying communication while ensuring robust security.
Frequently Asked Questions
Is the solution scalable as our business grows and loan volume increases?
Zoot Enterprises’ origination solution focuses on scalability for your growing business. It offers flexible configuration to adapt to evolving business needs, seamless integration with third-party services, and advanced automation for efficient loan processing. With our scalable solution, you can confidently manage your expanding installment loan portfolio while driving business growth.
Can Zoot’s Installment Loan offering integrate into an existing system?
Absolutely. Zoot’s offer asignment module origination system is built with seamless integration in mind. Our solution connects with your existing systems, data providers, and other third-party solutions using robust APIs. Our team works closely with you to ensure smooth integration, enabling your systems to work together efficiently.
How do loan application and approval processes prioritize security without compromising speed or efficiency?
At Zoot, we prioritize security in loan application and approval processes without compromising speed or efficiency. We achieve this by employing real-time data verification, utilizing secure API integrations, and incorporating robust encryption protocols. Additionally, we continuously monitor regulatory changes to ensure adherence to security standards and data privacy regulations, providing a secure and streamlined experience for borrowers and lenders.
Ready to Take the First Step?
Explore Zoot’s Capabilities or schedule a consultation with our team to learn how our LOS can make an impact at your organization.
Origination Resources
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