NEW YORK & SAN MATEO, California — May 11, 2026
Executive Summary
Pagaya Technologies Ltd. and Experian have announced a new affiliate partnership designed to expand access to personal loans for consumers across the United States. Through the collaboration, Pagaya’s AI-powered lending technology will be embedded into Experian Marketplace, a digital marketplace serving more than 80 million Experian members. The integration is intended to support lenders with real-time underwriting recommendations and expanded credit qualification capabilities through Pagaya’s personal loan offering. The partnership also incorporates Pagaya’s AI-driven model within Experian Activate, the company’s hosted model environment, enabling lenders to identify and match qualified borrowers with financial products through a more automated and data-driven process.
Announcement Overview
The partnership between Pagaya and Experian represents a strategic expansion of Pagaya’s AI-driven credit infrastructure into one of the largest consumer financial marketplaces in the United States. According to the companies, the collaboration is designed to help lenders improve consumer matching capabilities while supporting broader access to personal loan products across varying credit profiles.
Under the arrangement, Pagaya’s lending technology will operate within Experian Marketplace and leverage the company’s extensive AI-powered data network, which incorporates insights from more than $1 trillion in annual loan applications. The integration also extends into Experian Activate, where Pagaya’s model will support automated underwriting and qualification workflows for participating lenders. Both companies stated that the partnership aligns with their efforts to increase responsible access to credit while maintaining disciplined risk management standards.
Key Announcement Details
- Announcement Type: Affiliate partnership and marketplace integration
- Companies Involved: Pagaya Technologies Ltd. and Experian
- Marketplace Integration: Pagaya embedded into Experian Marketplace
- Consumer Reach: Access to more than 80 million Experian members
- Primary Offering: AI-powered personal loan qualification and underwriting support
- Technology Infrastructure: Integration of Pagaya’s AI-driven lending network
- Hosted Model Environment: Inclusion within Experian Activate
- Core Functionality: Real-time underwriting recommendations for lenders
- Data Network Scale: Insights derived from over $1 trillion in annual loan applications
- Consumer Focus: Expanded access to personal loan opportunities
- Lender Benefits: Automated borrower qualification and financial product matching
- Risk Management Objective: Disciplined and data-driven underwriting approach
- AI Capabilities: Machine learning, automated decisioning, and AI-enabled credit analysis
- Strategic Objective: Expansion of responsible credit access across the United States
- Operational Scope: Consumer lending and credit marketplace infrastructure
- Industry Segment: Financial technology and consumer credit services
- Public Listing: Pagaya trades on NASDAQ under ticker symbol PGY
- Integration Goal: Broader lender connectivity and enhanced borrower reach
- Partnership Focus: Scaling access to financial services through AI-driven infrastructure
- Geographic Focus: United States consumer lending market
Expansion Into Experian Marketplace
The companies stated that Pagaya’s technology is now embedded directly into Experian Marketplace, a digital marketplace that provides consumers with access to credit cards, personal loans, and auto insurance products. Through this integration, Pagaya’s AI-powered underwriting capabilities will support lenders in identifying qualified borrowers and extending real-time credit opportunities.
According to the announcement, the partnership expands Pagaya’s reach to more than 80 million Experian members. The companies indicated that this expanded access is expected to strengthen lender connectivity with consumers who may qualify for additional loan opportunities through AI-enabled underwriting processes.
Key elements of the integration include:
- Embedding of Pagaya’s AI-powered lending technology into Experian Marketplace
- Access to over 80 million Experian Marketplace members
- Real-time underwriting recommendations for lenders
- Expanded qualification pathways for personal loan applicants
- Automated consumer matching capabilities across credit profiles
- Integration with Experian’s existing financial product marketplace infrastructure
The partnership also reflects continued collaboration between fintech infrastructure providers and consumer financial platforms seeking to improve lending workflows through data-driven technologies. According to the companies, the integration is designed to create more efficient borrower identification and product matching processes while maintaining risk management controls for lenders participating within the Marketplace ecosystem.
Pagaya’s AI-Driven Lending Technology
Pagaya stated that its lending technology is powered by an AI-driven data network that incorporates insights derived from more than $1 trillion in annual loan applications. The company indicated that the scale of this network supports underwriting and decisioning capabilities across a broad range of consumer credit scenarios.
The integration into Experian Marketplace expands the operational footprint of Pagaya’s lending infrastructure and allows participating lenders to access Pagaya’s underwriting recommendations within an established marketplace environment. According to the company, the technology is designed to assist lenders in extending credit opportunities to qualified borrowers in real time.
The announcement highlighted several core components of Pagaya’s lending technology framework, including:
- AI-powered underwriting models
- Machine learning-based credit analysis
- Real-time decisioning capabilities
- Large-scale consumer lending data network
- Automated recommendation systems
- Integrated API infrastructure for financial institutions
Pagaya stated that its technology platform supports lenders in evaluating consumer eligibility through automated processes that can help broaden access to credit products while maintaining structured underwriting standards.
The company also noted that its proprietary infrastructure is integrated into its broader partner network to support seamless user experiences and expanded access to financial services. According to the announcement, the partnership with Experian further extends the reach of Pagaya’s lending ecosystem into additional consumer financial channels.
Integration With Experian Activate
A significant component of the partnership involves the inclusion of Pagaya’s AI model within Experian Activate, Experian’s hosted model environment. The companies stated that this integration is intended to provide lenders with a more automated and data-driven framework for evaluating loan applicants.
According to the announcement, the Activate integration will support Marketplace lenders in identifying eligible consumer loan applicants across varying credit profiles while maintaining a disciplined approach to underwriting risk.
The companies outlined several functions associated with the integration, including:
- Automated lender decision support
- Data-driven underwriting workflows
- Consumer qualification analysis
- Credit opportunity identification
- Financial product matching capabilities
- Risk management support mechanisms
Experian stated that the hosted model environment enables lenders to utilize Pagaya’s AI-powered network directly within Marketplace operations, allowing for more integrated underwriting and qualification processes.
The integration also reflects broader adoption of hosted AI-enabled decisioning environments across the financial services sector, where lenders increasingly seek scalable technologies that support automated qualification and risk assessment capabilities. According to the announcement, the collaboration is intended to help lenders responsibly expand their consumer reach while preserving underwriting discipline.
Focus on Expanding Consumer Credit Access
Both companies emphasized the partnership’s focus on expanding access to credit opportunities for consumers across the United States. According to the announcement, the collaboration is intended to support lenders in identifying qualified borrowers who may not have been effectively served through traditional or legacy lending systems.
Pagaya stated that integrating with Experian allows its AI-driven network to reach a substantially broader consumer base through the Marketplace platform. The company indicated that the collaboration aligns with its objective of supporting responsible credit expansion through technology-enabled underwriting capabilities.
Experian also stated that the partnership is designed to support more inclusive access to financial products through improved borrower identification and matching technologies.
Key consumer-focused objectives identified in the announcement include:
- Expanding responsible access to personal loans
- Increasing visibility for qualified borrowers
- Enhancing lender reach across consumer segments
- Improving product matching capabilities
- Supporting transparent consumer credit pathways
- Maintaining structured risk evaluation processes
According to the companies, the collaboration supports efforts to provide lenders with improved capabilities for serving consumers across different credit categories through AI-driven analysis and qualification tools.
Statements From Company Leadership
Sanjiv Das, Co-Founder and President of Pagaya, commented on the partnership and the integration into Experian Marketplace.
“Integrating with Experian brings our AI-driven network to more than 80 million Experian members. This collaboration helps lenders connect with more qualified borrowers and supports our goal of expanding credit responsibly. We look forward to working with Experian to create more financial opportunities for American consumers.”
The statement from Pagaya’s leadership highlighted several operational and strategic elements associated with the partnership, including:
- Expansion of Pagaya’s network reach
- Broader lender connectivity
- Responsible credit access initiatives
- Increased financial opportunity availability
- Support for AI-driven borrower qualification
Rakesh Patel, Executive Vice President of Experian Marketplace at Experian Consumer Services, also commented on the collaboration.
“Experian is committed to expanding consumers’ access to credit and our work with Pagaya is a critical part of that mission, benefitting both lenders and consumers. By leveraging Pagaya’s AI network within Experian Marketplace, we are enabling lenders to identify and serve qualified borrowers who might have been overlooked by legacy systems. This will provide millions of Americans with a more inclusive and transparent path to the credit they need.”
Experian’s statement emphasized several aspects of the collaboration, including:
- Consumer credit accessibility initiatives
- Use of AI-powered lending infrastructure
- Support for lender qualification workflows
- Expansion of borrower identification capabilities
- Focus on transparency within consumer lending pathways
The companies stated that the partnership reflects a shared objective of supporting broader access to financial services through technology-enabled lending infrastructure and automated qualification systems.
Growing Strategic Partner Ecosystem
According to the announcement, Experian joins a growing group of strategic partners working with Pagaya to expand access to financial services through the company’s AI-powered infrastructure and data-driven lending capabilities.
Pagaya stated that its network supports partners through several core technology and operational components, including:
- Advanced AI-driven underwriting models
- Extensive lending data network infrastructure
- Real-time credit decisioning systems
- Integrated financial technology APIs
- Automated qualification capabilities
- Scalable integration frameworks
The company indicated that these capabilities are designed to support financial institutions and lending partners seeking to expand product accessibility and improve operational efficiency within lending workflows.
According to the announcement, Pagaya’s integration approach allows partners to incorporate its technology into existing operational environments while supporting broader access to mainstream financial products and services.
The addition of Experian to Pagaya’s strategic partner ecosystem further expands the company’s operational presence within consumer financial marketplaces and strengthens its distribution capabilities across lending channels in the United States.
About Pagaya
Pagaya Technologies Ltd. is a global technology company focused on expanding access to financial products and services through artificial intelligence, machine learning, and large-scale data analysis.
According to the company, Pagaya develops AI-driven product solutions designed to support financial institutions, lenders, consumers, and investors across the financial services ecosystem. Its infrastructure incorporates machine learning technologies, a broad lending data network, and automated underwriting capabilities intended to support consumer credit accessibility and financial product distribution.
The company stated that its proprietary API infrastructure and capital solutions integrate into a network of financial partners to support seamless user experiences and broader participation within the mainstream economy.
Pagaya’s operational capabilities include:
- AI-driven credit and underwriting technologies
- Machine learning-based financial infrastructure
- Consumer lending support systems
- Data-driven qualification models
- Integrated API and capital solutions
- Real-time financial product decisioning frameworks
The company trades publicly on the NASDAQ under the ticker symbol PGY.
About Experian
Experian is a global data and technology company that provides services and infrastructure across consumer credit, financial services, and data analytics markets.
According to the announcement, Experian Marketplace operates as a shopping marketplace for credit cards, personal loans, and auto insurance products. The company also provides Experian Activate, a hosted model environment designed to support lender decisioning and qualification processes.
The partnership announcement highlighted Experian’s focus on:
- Consumer credit accessibility initiatives
- Technology-enabled lending infrastructure
- Marketplace-based financial product distribution
- Hosted underwriting and qualification environments
- AI-driven financial product matching capabilities
Experian stated that the collaboration with Pagaya supports its broader objective of expanding access to credit opportunities for consumers while enabling lenders to identify and serve qualified borrowers through data-driven systems.
Media Contact
For additional information, visit pagaya.com.
Source Attribution
Source: Company announcement
