kitio.aiAdded Oct 28, 2026
Pagaya
PaidAI lending network that helps lenders approve more loan applicants
What is Pagaya?
Pagaya runs an AI network that reviews loan applications declined or underserved by a lender's own models and helps approve more of them. Banks, card issuers and fintech lenders connect through an API and keep the customer under their own brand.
Applications flow from the lender's origination system to the Pagaya Network, where AI models evaluate them in real time and return decisions. Approved loans are then moved to financial vehicles funded by institutional investors, so the lender does not take on extra credit risk.
Lending partners listed include US Bank, Ally, SoFi, OneMain and Best Egg. Pagaya is a public company, and its site covers investor relations, capital markets and compliance alongside the product.
Features
- AI credit decisions
- API integration with origination
- Real-time processing
- Fair lending controls
- Investor-funded loan transfer
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Releases
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Organization
Pagaya Technologies
Listed by kitio.ai · unverified owner
Pricing
- Pricing model
- Paid
- Paid options from
- Not listed
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Pros and cons
Pros
- Lenders keep their own brand experience
- No added credit risk for partners
- Used by large US lenders
Cons
- Only for lending institutions
- No self-serve access
- Pricing is not public
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Q&A
What is Pagaya?
Pagaya runs an AI network that reviews loan applications declined or underserved by a lender's own models and helps approve more of them. Banks, card issuers and fintech lenders connect through an API and keep the customer under their own brand.
How much does Pagaya cost?
Pagaya is paid.
Is there a free version of Pagaya?
No. Pagaya is a paid tool.
What are the main features of Pagaya?
AI credit decisions, API integration with origination, Real-time processing, Fair lending controls, Investor-funded loan transfer.
Who makes Pagaya?
Pagaya is made by Pagaya Technologies.
What are the best alternatives to Pagaya?
Popular alternatives include Plat.AI, Sift, Resemble AI.