Direct Marketing Engine

Proactive Firm Offers with Predictive IntelligenceProactive Firm Offers with Predictive Intelligence

Personal Loans
Auto Loans
Point-of-Sale

Direct Marketing Engine Benefits

Maximize Customer Acquisition

Attract quality new customers using predictive targeting to increase response rates and grow your relationships.

Drive Intelligent Cross-Sell

Deepen loyalty and customer lifetime value (CLV) by proactively offering existing customers the right product at the right time.

Reduce Marketing Spend

Benefit from a cost-sharing model that optimizes your overall marketing budget and reduces the expense of traditional firm offer campaigns.

Fortify Your Strategy with AI Expertise

Leverage Pagaya’s proprietary data and industry knowledge to precisely define and strengthen your optimal consumer targeting strategy.

Smarter targeting. Stronger relationships. Lower spend. Built for Personal 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

Other Pagaya Products

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.