AI Lending Network | Pagaya

Expand your credit spectrum with zero credit risk Leverage expanded credit box to say yes to more customers Grow originations off balance sheet for new customer segments Enable offers that drive applicant delight and anchor long-term brand value 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. 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.