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.
Profile facts come from the vendor source. AiMatch labels unknown pricing or API details instead of estimating them.
Review official source →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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Claim this listing for $29Key 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
Limitations
No verified limitations are available.
Frequently Asked Questions
No verified FAQs are available.
Getting Started
- 1 Step 1: Contact Pagaya (submit work email via the 'Partner with us' form or email [email protected]).
- 2 Step 2: Integrate your origination system with the Pagaya Network via the provided API.
- 3 Step 3: Begin real-time processing and AI-powered reviews to deliver approvals within your brand experience.
Support
Primary inbound contact: [email protected] (provided on the site for partner inquiries).
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
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