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Decision Engine
PGY Extended Platform
Convert more customers
PGY Best Offer
Deliver More Compelling Offers
Pagaya Intelligence
Fast Pass
Frictionless Conversion in Auto
Dynamic Verification
Convert More & Faster
Marketing Engine
PGY Affiliates
Expand Reach in Marketplaces
PGY Prescreen
Proactively Engage Customers
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Decision Engine
PGY Extended Platform
Convert more customers
PGY Best Offer
Deliver More Compelling Offers
Pagaya Intelligence
Fast Pass
Frictionless Conversion in Auto
Dynamic Verification
Convert More & Faster
Marketing Engine
PGY Affiliates
Expand Reach in Marketplaces
PGY Prescreen
Proactively Engage Customers
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PGY Extended Platform
Say yes to more qualified applicants who fall outside your traditional credit parameters
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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.
Secure Customer and Brand Growth
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.
Markets
Personal Loans
Built for 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
Built for 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.
POS
Built for POS
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.
Ready to Serve More Customers?
Expand your credit reach responsibly — turning declined applications into funded loans through Pagaya’s off-balance-sheet, AI-driven network.
Find More Products
Discover more Pagaya products that can help scale your lending platform
Decision Engine
PGY Extended Platform
Convert more customers
PGY Best Offer
Deliver More Compelling Offers
Pagaya Intelligence
Fast Pass
Frictionless Conversion in Auto
Dynamic Verification
Convert More & Faster
Marketing Engine
PGY Affiliates
Expand Reach in Marketplaces
PGY Prescreen
Proactively Engage Customers
Careers
Help us expand financial access. Making a fairer financial landscape
News
October 5, 2025
October 5, 2025
Pagaya Closes AAA-Rated $400 Million RPM ABS with Strategic Funding Partner, One William Street
October 1, 2025
October 1, 2025
Pagaya Expands Revolving Credit Facility to $132 Million with Top-Tier Banks at Substantially Lower Cost
September 10, 2025
September 10, 2025
Pagaya President Joins Bloomberg TV to Discuss Buy Now, Pay Later Business Model