Pagaya

What is Pagaya?

Pagaya is an AI lending network that partners with lenders and institutional investors to provide more credit approvals without undue risk. It integrates with origination systems through an API, allowing lenders to approve more customers while Pagaya facilitates the transition of the loan to appropriate financial vehicles. Pagaya uses AI models trained on millions of loan applications to enable smarter, data-driven lending.

How to use Pagaya?

Lenders integrate their origination system with Pagaya’s network through an API. They then send customer loan applications to Pagaya, where AI models analyze them in real-time. Approved customers receive approvals directly from the lender’s origination system, and Pagaya facilitates the loan’s transition to financial vehicles.

Pagaya’s Core Features

AI-powered loan application review Seamless integration with existing origination systems Expanded credit box with zero balance sheet impact Built-in compliance and security

Pagaya’s Use Cases

• Retaining customers who don’t meet pre-Pagaya credit criteria
• Expanding lending portfolios into point-of-sale, personal loans, and auto loans
• Increasing customer satisfaction through easier loan approvals