Accelerate BNPL Growth with Speed & Precision
Leverage automated decision making to accelerate offers and reduce operational costs by up to 20% with our BNPL origination solution, built to integrate seamlessly with your existing ecosystem.
Advanced automation and data orchestration simplifies the BNPL workflow, incorporating real-time data to reduce friction and enable extending confident offers to more qualified customers. With all your data and decisioning in one place, customers will be able to obtain the payment options they want, when they want them.
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 BNPL program by managing risk at the account level, adapting quickly to market shifts and customer needs.
Enhance Operational Efficiency
Streamline operations with our BNPL 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.
Enable Purchasing Power in Real Time
Process decisions up to 100x faster with Zoot’s BNPL origination solution – empowering you to deliver instant, frictionless offers that boost conversion, strengthen merchant relationships, and drive sustainable growth.
Zoot’s solution intelligently automates decisioning to enable real-time approvals while maintaining control and compliance. Designed specifically for dynamic BNPL models, it keeps you agile as consumer expectations, risk signals, and regulations evolve.
Extend and scale BNPL and other lending capabilities with a system built for long-term success. Zoot’s configurable platform grows with your portfolio, supporting new markets and partnership models as your programs expand.
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.
A BNPL Solution That Fits Your Flow
Most BNPL providers operate as stand-alone systems, forcing businesses to hand off the lending process and then manage servicing separately. Zoot takes a different approach. Our BNPL module connects directly to your existing e-commerce and servicing workflows through flexible APIs, so you don’t have to rebuild your case management or support systems. The result is a fully integrated experience that keeps your customers within your ecosystem and gives you complete visibility from offer to repayment.
“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.”
Powering Success, Together
Whether you’re relying on green screens, point solutions, or legacy tech that can’t keep up with your business portfolio, making the move to a modern origination system feel overwhelming. With decades of experience helping financial institutions make this transition, our team will help you find the right fit and guide you through every step of implementation.
Whether off-the-shelf or fully customized, real humans provide responsive, global support when you need it most. We understand that downtime and disruption aren’t an option, so we’re in your corner from day one through long-term success.
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
What is BNPL?
BNPL (Buy Now, Pay Later) is a financing option that allows consumers to make purchases and pay for them in installments over a short period. This increasingly popular payment method bridges the gap between traditional credit options and the growing demand for accessible, flexible, and convenient financing solutions.
Can Zoot’s BNPL offering integrate into an existing system?
Absolutely. Zoot’s BNPL origination module 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 does Zoot's LOS provide versatility in supporting various financial products, such as BNPL and traditional installment loans, while maintaining consistency and efficiency across an organization?
Zoot’s offer assignment module LOS is highly flexible and can be configured to support multiple lines of business with higher levels of customization. Whether you are managing BNPL, traditional installment loans, or other financial products, the design of our solution allows you to tailor workflows, rules, and decisioning to meet the unique needs of each product line. This versatility ensures a consistent and efficient origination process across your entire organization.
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.
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