How Pagaya Works
Pagaya is a network of 31+ Lending partners and 132+ institutional investors. You integrate your origination system with our Network through an API. You approve more customers in your brand experience and service them while Pagaya facilitates the transition of the loan to the appropriate financial vehicles.
Loan amount
$10,000.00
Success!
Your loan has been approved
Instant submission
Seamlessly send us customer loan applications with zero latency.
AI-powered review
Our AI model analyzes applications in real time for quick decisions.
Seamless approvals
Customers receive approvals directly from your origination system.
Why join the Pagaya network
Keep more borrowers
Retain customers who don't meet your pre-Pagaya credit criteria.
Grow without risk
Expand your credit box with zero balance sheet impact and attract new customers.
Deepen customer relationships
Offer more loan products to strengthen engagement and loyalty.
Expand your lending portfolio
Easily extend your offerings into point-of-sale, personal loans, and auto loans.
Built-in compliance & security
Fully aligned with U.S. regulations, fair lending, data security, and risk management standards.
Higher customer satisfaction
Keep customers happy and engaged for long-term retention.
“I was trying to get out of a difficult living situation and applied for a loan to pay off my credit cards. The approval process was super easy my funds were in my account within a few days.”
$2.6T
in loan applications trained our AI models for smarter, data-driven lending
132
Institutional Investors from the private market and growing
$28B
of new credit generated across millions of American Customers since inception
What our partners say
“We know that we have many clients who don't fall within our traditional client parameters. By expanding access to responsible credit solutions, we are giving clients access to funds when they need it the most, through their existing and trusted banking relationship with us.”
Let's connect
Where traditional underwriting methods fall short, Pagaya moves you forward. Let's connect to discuss how we can help you say yes to more customers and less risk.
