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Pagaya competitors & alternatives
The 12 closest competitors and alternatives to Pagaya among fintech companies — ranked by similarity to what Pagaya actually does, not by market-cap band.
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About Pagaya
Pagaya operates an artificial intelligence-powered lending network that integrates with financial institutions and lenders via API. Its technology evaluates consumer loan applications in real time to help lenders approve more borrowers for personal, auto, and point-of-sale loans without additional credit risk.
Pagaya at a glance
Pagaya is a fintech company headquartered in United States. It has raised at least $480M across the 4 funding rounds on record. Its most recent funding round, Debt, raised $280M in February 2024. Xcout tracks 14 named people at Pagaya, including Panch Panchanadeswaran (Chief Operating Officer). Xcout recorded 36 job postings from Pagaya in the last 90 days.
Pagaya leadership
- Panch PanchanadeswaranChief Operating Officer
- Jon DobresChief Financial Officer
- Oren SetterChief Technology Officer
- Gaurav NaglaChief Product Officer
- Edward MallonChief Investment Officer
- Eric WatsonChief Legal Officer
8 more named people on record for Pagaya, with roles, board committees and tenure — see the full roster →
Pagaya funding rounds
At least $480M raised across the 4 rounds on record. Every round on record:
| Date | Round | Amount | Investors |
|---|---|---|---|
| Debt | $280M | 1 named | |
| — | $25M | — | |
| Debt | $100M | 1 named | |
| Debt | $75M | 4 named |
Who invested in each round, lead investors, valuations and the co-investor graph — open the full funding history →
Hiring at Pagaya
Xcout recorded 36 job postings from Pagaya in the last 90 days, from a hiring record Xcout has kept since June 2026.
The weekly hiring trend, the roles and locations behind it — see Pagaya's hiring signals →
Recent Pagaya news
- FundingPrivate placement (Form D)
3 corporate events on record, with sources — see the full timeline →
Top 12 Pagaya competitors
Ranked by semantic similarity — how close each company is to Pagaya by what it does, using Xcout's live company graph. Click any company for its full profile, or its competitor set.
Similar fintech company
Zest AI is a financial technology company that provides machine-learning software for credit underwriting and lending decisions. It serves banks, credit unions, and other lenders seeking to improve loan approvals, risk assessment, and fair-lending compliance.
Similar fintech company
Credit Kudos was a UK fintech that used open-banking data and machine learning to help lenders assess creditworthiness and make more informed lending decisions. It served banks, lenders, and other financial-service providers with credit decisioning and affordability insights.
Similar fintech company
Ocrolus is an AI-powered data and analytics platform that automates financial document analysis for lenders. The company empowers financial institutions with accurate data, faster decisions, and industry-specific intelligence.
Similar fintech company
Lendbuzz Inc. is an AI-based fintech company headquartered in Boston, Massachusetts, that provides fast and simple car loans using alternative data and artificial intelligence.
Similar fintech company
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
Similar fintech company
IceKredit is a technology company headquartered in Shanghai, China, specializing in artificial intelligence solutions for financial services and risk management.
Similar fintech company
Creditchek is a credit assessment infrastructure company headquartered in Lagos, Nigeria, providing financial institutions with AI-driven insights to verify consumer creditworthiness.
Similar fintech company
JUDI.AI is a fintech software company that transforms small business lending using machine learning models and credit analytics. Headquartered in Vancouver, British Columbia, the company provides automated tools for lenders and financial institutions.
Fintech / Fraud Prevention
Pi by Paytm is an AI-driven risk management platform that provides real-time fraud detection, account takeover protection, and credit underwriting services for businesses.
Similar fintech company
Enova International is a financial technology company that provides online financial services and credit products to non-prime consumers and small businesses. Utilizing its proprietary machine learning-powered Colossus platform, the company also offers technology services to traditional banks to help expand access to credit.
Similar fintech company
UGRO Capital Limited operates as a data-tech lending platform that provides secured and unsecured business loans, loan against property, machinery and equipment financing, and embedded finance solutions. The company serves micro, small, and medium enterprises (MSMEs) in India by utilizing artificial intelligence and machine learning-driven credit scoring models for underwriting.
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