kitio.aiLumin vs Pagaya
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Lumin starts at $9/mo and Pagaya starts at See pricing page. Check both pricing pages for current plans.
At a glance
Best for
Pricing model
Starting price
Free plan
Made by
Based in
Rating
Key features
- AI agreement generator
- AI agreement editor
- PDF editing
- E-signatures
- Fillable PDFs
- eSign API
- AI credit decisions
- API integration with origination
- Real-time processing
- Fair lending controls
- Investor-funded loan transfer
| Feature | Lumin | Pagaya |
|---|---|---|
| Best for | PDF editing, e-signing and AI agreement drafting in one workspace | AI lending network that helps lenders approve more loan applicants |
| Category | Legal, finance & HR | Legal, finance & HR |
| Pricing model | Freemium | Paid |
| Starting price | $9/mo | See pricing page |
| Free plan | Yes | No |
| Made by | Lumin | Pagaya Technologies |
| Based in | – | – |
| Rating | No ratings yet | No ratings yet |
| Key features |
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Pricing compared
Lumin starts at $9/mo and Pagaya starts at See pricing page. Check both pricing pages for current plans.
Free plan
Cheapest paid plan
Top plan
Free trial
5 plans
Free
Free
- Basic PDF editing
- Basic e-signatures
- Annotate up to 3 docs
Starter
$9/mo
- Student plan
- 10 docs per month
- Google integration
Pro
$19/mo
- Per team
- 200 docs per month
- Advanced PDF editing
- 5 agreements per month
Business
$99/mo
- Member access control
- Domain control
- Slack and Drive connectors
- Priority support
Enterprise
Contact sales
- Enterprise SSO
- Storage options
- Premium onboarding
Prices in USD, checked Oct 29, 2026 or later. Plans change often, so confirm on each tool's site before you buy.
Pros and cons
Lumin
- Drafting, editing and signing in one place
- Free plan covers basic PDF work
- Covers many common contract types
- Free plan allows only 3 documents a month
- Pro limits agreements to 5 per month
- Pro pricing is per team, with caps on documents
Pagaya
- Lenders keep their own brand experience
- No added credit risk for partners
- Used by large US lenders
- Only for lending institutions
- No self-serve access
- Pricing is not public
Which one should you choose?
Choose Lumin if you want:
- Drafting, editing and signing in one place
- Free plan covers basic PDF work
- Covers many common contract types
Watch out: free plan allows only 3 documents a month.
Choose Pagaya if you want:
- Lenders keep their own brand experience
- No added credit risk for partners
- Used by large US lenders
Watch out: only for lending institutions.
Lumin vs Pagaya FAQ
What is the difference between Lumin and Pagaya?
Lumin: PDF editing, e-signing and AI agreement drafting in one workspace. Pagaya: AI lending network that helps lenders approve more loan applicants. Both are legal, finance & hr tools.
Is Lumin or Pagaya cheaper?
Lumin starts at $9/mo and Pagaya starts at See pricing page. Check both pricing pages for current plans.
Do Lumin and Pagaya have free plans?
Lumin: Yes. Pagaya: No.
Who makes Lumin?
Lumin is made by Lumin.
Who makes Pagaya?
Pagaya is made by Pagaya Technologies.
Which should I choose, Lumin or Pagaya?
Choose Lumin if you value drafting, editing and signing in one place and free plan covers basic pdf work. Choose Pagaya if you value lenders keep their own brand experience and no added credit risk for partners.