pagaya-com

pagaya-com

Pagaya is an AI-powered lending network that integrates with lenders via an API to enable real-time underwriting decisions, approve more customers, expand credit offerings (personal, auto, point-of-sale) and retain borrowers without adding balance-sheet credit risk.

pagaya-com is finance software teams evaluate for software & gaming. Use this page to review pricing, integration signals, and the best alternatives before you commit.

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#71 in Finance (71 tools)
Just launched
Data reviewed Aug 20, 2026

Profile facts come from the vendor source. AiMatch labels unknown pricing or API details instead of estimating them.

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Quick Overview

Best for: Software & Gaming

What it does

Finance software for decision-makers comparing workflow fit and alternatives.

Best fit

Software & Gaming

Pricing snapshot

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pagaya-com

Pagaya operates an AI-powered lending network that integrates with lender origination systems via an API to deliver real-time underwriting and decisioning. The offering is positioned to help lenders approve more customers, retain borrowers who previously fell outside pre-Pagaya credit criteria, and expand into products such as point-of-sale, personal loans, and auto loans while claiming no additional credit risk to partners. The site highlights scale and partner metrics (e.g., $45B+ new credit generated, 170+ institutional investors, $4T applications evaluated, 35+ lending partners) and emphasizes compliance, fair lending, and data security.

Pagaya is an AI lending network increasing credit approvals with reduced risk.

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Key Features

Real-time AI underwriting

AI-powered review analyzes loan applications in real time to enable quick decisions and instant processing (the site states processing with '0% latency').

API integration

Integrate your origination system with the Pagaya Network through an API so approvals occur within the lender's brand experience.

Product suite

Offers product capabilities listed on the site including Personal Loans, Auto Loans, Point-of-Sale, Decision Engine, Decline Monetization, PGY First Look, PGY Dual Look, and Pagaya Intelligence.

Compliance & security

The network is described as 'Compliance Ready' and aligned with U.S. regulations, fair lending, data security, and risk management standards.

Partner network & capital markets support

The site highlights partnerships with banks, marketplaces and institutional investors and references capital markets activity (e.g., ABS transactions).

Pricing

Current pricing details are not available from the vendor source.

Use Cases

Approve more customers

Enable lenders to say 'yes' to more borrowers by running real-time AI reviews within the origination flow, increasing approvals while maintaining risk controls.

Retain and service customers

Retain borrowers who previously did not meet pre-Pagaya credit criteria by offering loan products through the existing lender relationship.

Expand product offerings

Extend lending offerings into point-of-sale, personal loans, and auto loans through integration with the Pagaya Network.

Monetize declines and expand credit box

Use Decline Monetization and other Pagaya products (e.g., Dual Look) to unlock additional growth without balance-sheet impact.

Integrations

Bank and marketplace partners (examples)

The site lists partner banks and fintechs such as US Bank, OneMain, Visa, Mastercard, SoFi, Upgrade, Ally, Best Egg and Avant as participants in Pagaya's network.

Benefits

Keep more borrowers by approving customers who previously fell outside credit criteria.
Grow without adding balance-sheet risk (expand credit box with zero balance sheet impact).
Build customer loyalty by offering more loan products through existing lender relationships.
Expand product offerings into point-of-sale, personal loans, and auto loans.
Compliance-ready infrastructure aligned with U.S. fair lending and data security standards.

Limitations

No verified limitations are available.

Frequently Asked Questions

No verified FAQs are available.

Getting Started

  1. 1 Step 1: Contact Pagaya (submit work email via the 'Partner with us' form or email [email protected]).
  2. 2 Step 2: Integrate your origination system with the Pagaya Network via the provided API.
  3. 3 Step 3: Begin real-time processing and AI-powered reviews to deliver approvals within your brand experience.

Support

email

Primary inbound contact: [email protected] (provided on the site for partner inquiries).

email

Partner inquiries: [email protected]; investor relations: [email protected] (emails listed on the site).

contact form

Partner sign-up form on the site ('Partner with us' / submit your work email) to request engagement.

office locations

Office addresses listed: New York Office (335 Madison Avenue, 16th Floor) and Tel Aviv Office (Azrieli Sarona Bldg, 54th Floor).

API

Available: Yes

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