pagaya.com
AI lending network expanding credit approvals for financial institutions and investors.
What is pagaya.com?
Pagaya (officially Pagaya Technologies Ltd) is a financial technology platform that operates an artificial intelligence network for lenders and institutional investors. The company uses advanced AI models trained on over $2.6 trillion in loan applications to evaluate consumer credit risk in real time, expanding access to credit without adding undue risk. Financial institutions, such as banking partners, fintechs, and auto lenders, integrate with Pagaya via an API to offer seamless approvals under their own brand. For investors interested in the company's financial performance or corporate governance, the site hosts dedicated sections for Pagaya investor relations (PGY investor relations), PGY stock information, the latest Pagaya proxy statement, and career opportunities for those looking to join the team under Pagaya careers. Key executives, including co-founder and CEO Gal Krubiner, lead the company in structuring unique financial solutions, which frequently involve collaborations with major private market asset managers like Castlelake.
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pagaya.com Pricing Plans
Compare pagaya.com free options, pagaya.com paid pricing plans, and usage notes before you choose the best way to use this AI tool in 2026.
Contact for Pricing
Pricing updated:Jun 12, 2026
pagaya.com AI Features
pagaya.com Pros and Cons
Pros
- Allows lenders to retain customers who do not meet traditional pre-Pagaya credit criteria.
- Enables business growth and credit expansion with zero balance sheet impact.
- Backed by a robust model trained on $2.6T in loan applications.
- Fully compliant with U.S. fair lending and data security standards.
Limitations
- Requires an API technical integration with the lender's existing origination system.
- Not a direct consumer lender; services are restricted to network partners and institutional investors.