Fast Pass

Convert more applicants into funded customers through Pagaya's Intelligent Stipulations decisioningConvert more applicants into funded customers through Pagaya's Intelligent Stipulations decisioning

Personal Loans
Auto Loans
Point-of-Sale

Fast Pass Benefits

Maximize Throughput

Accelerate entire purchase journey and minimizing application fall out

Slash Operational Costs

Significantly reduce your internal verification expenses and minimize administrative burden.

Deliver Frictionless Service

Improve Customer Satisfaction Index (CSI) scores and customer retention by offering the fastest, easiest path from approval to funding.

Strengthen Loyalty

Provide a superior loan process that makes your institution the most preferred.

Accelerate every step of the financing journey — from approval to funded loan — while lowering costs and strengthening relationships. Built for Personal Loans and Auto Loans.

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.