AI Lending Network | Pagaya
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Introduction
AI-powered financial solution for credit approvals
AI Lending Network | Pagaya Product Information
Pagaya Network for Lending Partners
Pagaya is a network of 31+ lending partners and 132+ institutional investors that enables lenders to expand their credit box and serve more customers through an API-based integration with their origination system. The platform facilitates loan transitions to appropriate financial vehicles while preserving the lender's brand experience and service.
How Pagaya Works
- Integrate via API: Your origination system connects to Pagaya's network to access a broad set of lending partners and investors.
- Approve more customers in your brand experience: You continue to service customers with your own branding while Pagaya handles the routing to suitable credit vehicles.
- AI-powered review: Applications are analyzed in real time by Pagaya’s AI model for fast, data-driven decisions.
- Seamless approvals: Customers receive approvals directly from your origination system, accelerating time to funding.
- Loan allocation: Pagaya facilitates the transition of loans to the appropriate financial vehicles, optimizing terms and fit.
Why Join the Pagaya Network
- Keep more borrowers: Retain customers who don’t meet your pre-Pagaya credit criteria.
- Grow without risk: Expand your credit box with zero balance sheet impact and attract new customers.
- Deepen customer relationships: Offer more loan products to strengthen engagement and loyalty.
- Expand your lending portfolio: Extend offerings into point-of-sale, personal loans, and auto loans.
- Built-in compliance & security: Fully aligned with U.S. regulations, fair lending, data security, and risk management standards.
- Higher customer satisfaction: Keep customers happy and engaged for long-term retention.
What Our Partners Hear
- A scalable way to serve clients who fall outside traditional parameters.
- A trusted mechanism to offer responsible credit solutions within existing banking relationships.
Real-World Impact (Selected Metrics)
- $2.6T in loan applications trained for smarter, data-driven lending.
- 132 institutional investors from the private market and growing.
- $28B of new credit generated across millions of American customers since inception.
How It Works in Practice
- Your brand remains front-and-center for loan applicants.
- AI-powered underwriting accelerates decisioning with real-time analysis.
- Seamless handoffs to the appropriate financier within the network.
- Compliance and security are built into every step.
Safety and Compliance Considerations
- Alignment with U.S. regulatory standards for fair lending and data security.
- Transparent data handling and risk management practices.
Core Features
- API-based integration with Pagaya’s network
- AI-powered real-time application analysis
- Brand-preserving customer experience
- Seamless approvals within the lender’s origination system
- Access to a broad pool of lending partners and institutional investors
- Ability to expand loan offerings (POS, personal, auto, etc.)
- Built-in compliance and risk management
- Scalable to support growing borrower volumes
- Data-driven decisioning with rapid funding