Decline Monetization

Say yes to more qualified applicants who fall outside your traditional credit parametersSay yes to more qualified applicants who fall outside your traditional credit parameters

Personal Loans
Auto Loans
Point-of-Sale

Decline Monetization Benefits

Maximize Marketing ROI

Convert more of the applications you already paid for into funded loans, driving down customer acquisition costs (CAC).

Achieve Zero-Risk Revenue Growth

Generate significant incremental revenue streams because all loans funded through the platform are off-balance-sheet.

Expand Opportunity, Solidify Loyalty

Retain customers under your brand umbrella and deepen relationships by offering credit solutions to a wider audience.

Seamless, Turn-Key Integration

Our platform integrates quickly with your existing Loan Origination System (LOS) via APIs, ensuring a frictionless process for your applicants.

Expand your credit reach responsibly — turning declined applications into funded loans through Pagaya's off-balance-sheet, AI-driven network. Built for Personal Loans, Auto Loans, and Point-of-Sale.

Personal Loans

Pagaya powers personal loan growth across banks, credit unions, and fintechs — enabling more approvals and better offers through AI-driven credit decisioning. Our network helps lenders expand access responsibly, turning more qualified applicants into approved borrowers.

Auto Loans

Pagaya's platform helps auto lenders, captives, and dealers approve more qualified buyers with confidence. By pairing real-time data and AI-driven credit decisioning, we make it easier to put people on the road while keeping portfolios disciplined through every phase of the credit cycle.

Point-of-Sale

Pagaya connects merchants, lenders, and consumers through flexible point-of-sale financing that expands affordability without added risk. Our technology supports instant decisioning and diverse funding channels, helping partners capture more sales and deliver seamless customer experiences.