$40B
New Credit Generated
Pagaya Reports Q4 EarningsLearn More
Approve more loans and retain more customers with the Pagaya Network. All with no additional credit risk.
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Our Partners
- US Bank
- Best Egg
- Ally
- OneMain
- Visa
- SoFi
- Upgrade
- Avant
150+
Institutional Investors
$3.5T
Applications Evaluated
30+
Lending Partners
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.
How Pagaya Works
1
Lender Origination
Application
Users submit loan requests through your platform.
2
Pagaya Network
Instant Processing
We process your customer loan applications with 0% latency.
AI-Powered Review
Our AI model analyzes applications in real time for quick decisions.
3
Lender Approval
Decision
Customers receive approvals directly from your origination system.
For illustrative purposes only. Persons depicted are models and not actual customers. All names, bank details, and financial figures are fictitious and do not constitute a guarantee of credit approval or specific service speed.
1
Lender Origination
2
Pagaya Network
3
Lender Approval
Application
Users submit loan requests through your platform.
For illustrative purposes only. Persons depicted are models and not actual customers. All names, bank details, and financial figures are fictitious and do not constitute a guarantee of credit approval or specific service speed.
Our Network Makes All The Difference
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.
Build Loyalty
Offer more loan products to strengthen engagement and loyalty.
Expand Offerings
Easily extend your offerings into point-of-sale, personal loans, and auto loans.
Compliance Ready
Fully aligned with U.S. regulations, fair lending, data security, and risk management standards. Learn More
Retain customers who don't meet your pre-Pagaya credit criteria
What Our Partners Think
Mike Shepard
Head of Consumer Lending Partnerships at US Bank
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.
Niclas Neglen
Chief Financial Officer at Klarna
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.
Ian Anderson
Group President at WestLake Financial
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.
Micah Conrad
Chief Operating Officer at OneMain Financial
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.
Explore Our Products
Ready to Serve More Customers?
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.