AI Lending Network | Pagaya

Pagaya processes applications inside the lender's existing flow rather than sending customers to a separate site. The company advertises 0% added latency for network processing, meaning the applicant waits no longer than your own system takes. That single integration point is what makes the rest of the product line usable.

First Look is the core approval expansion tool. When your rules decline an applicant, Pagaya's AI credit decisioning scores the same application against a wider set of signals and can return an approval under your brand. The loan is funded through Pagaya's network, so it does not sit on your books.

Dual Look handles the opposite case: applicants you would already approve. It produces multiple offer structures and shows the version most likely to convert, while staying within the rate and term limits you set. For lenders with competitive markets, this is less about volume and more about winning the borrowers you already reached.

Fast Pass attacks the back half of the funnel. Instead of requesting every possible document, it works out which stipulations an applicant actually needs and skips the rest. Fewer uploads means shorter approval to funding time, less operations work, and fewer applicants who give up halfway through.

Decline monetization packages First Look for lenders who treat every rejected application as sunk marketing cost. The declined applicant gets an offer from the Pagaya network instead of a dead end, the lender keeps the customer relationship, and the revenue is incremental because the loan never touches its balance sheet.

None of the approval expansion works without capital. Pagaya routes funded loans to 170+ institutional investors and has completed 100 asset-backed securitizations, including a $650M auto ABS deal in October 2026 and a $600M AAA-rated personal loan transaction. For partners, the practical read is funding depth, even if that depth still moves with market conditions.