PGY First Look

Expand your credit spectrum with zero credit riskExpand your credit spectrum with zero credit risk

Personal Loans
Auto Loans
Point-of-Sale

First Look Benefits

Maximize Approval Rate

Leverage expanded credit box to say yes to more customers

Incremental Revenue Growth

Grow originations off balance sheet for new customer segments

Engineered to Grow Brand Presence

Enable offers that drive applicant delight and anchor long-term brand value

Add New Customer Relationships

Reach underserved customers through the Pagaya Platform

Expand your reach and deepen customer loyalty by capturing underserved segments through optimized credit approvals that fuel incremental growth without balance sheet risk. 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.