“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.”
Ready to learn more? Let's chat.
Our sales team responds to new business inquiries within 2 business days.
How Pagaya Works
Pagaya is a network of 31+ Lending partners and 135+ 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.
YourBrand
Loan amount
$10,000.00
$10,000.00
$50,000.00
YourBrand
YourBrand
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.
$2.7T
in loan applications trained our AI models for smarter, data-driven lending
135+
Institutional Investors from the private market and growing
$32B
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.”
Mike Shepard
Head of Consumer Lending Partnerships
“We just celebrated the one-year anniversary of our successful partnership. We look forward to continuing our relationship.”
Douglas Timmerman
President, Dealer Financial Services
“Integrating Pagaya into our systems has been a smooth process. They've been flexible and responsive to our needs as a fast-growing business in the U.S. We see them as a strategic growth partner for Klarna, helping us continue to deliver a seamless experience for our consumers.”
Niclas Neglen
Chief Financial Officer
“We couldn't be happier with our partnership with Pagaya and our recent expansion with them speaks to their positive impact. Their AI-powered network empowers Westlake to help more car buyers get their loans faster. Given that their tech is plugged directly into our systems, the entire transaction is seamless and easy.”
Ian Anderson
Group President
“Our partnership with Pagaya allows us to continue to serve hardworking Americans by furthering access to auto loans. We look forward to working towards a broader enterprise partnership with Pagaya.”
Micah Conrad
Chief Operating Officer
