Pagaya Technologies Ltd. announced a strategic partnership with digital personal‑finance platform Achieve, integrating Pagaya’s AI‑driven underwriting technology and extensive data network into Achieve’s loan origination platform. The collaboration will enable responsible access to personal loans for a broader mix of consumers, with Achieve serving as the end‑to‑end relationship manager and servicer for the loans originated through the partnership.
Under the agreement, Achieve will leverage Pagaya’s AI‑powered network to assess credit risk and approve more loan applications that traditional systems might reject. Pagaya’s technology analyzes thousands of data points, providing more personalized financial solutions and faster loan decisions. The partnership expands Pagaya’s product suite beyond its core decline‑monetization offering, opening new revenue streams and strengthening its competitive moat in the B2B AI‑lending market.
For Achieve, the deal delivers advanced credit‑decisioning tools that enhance its personal‑loan origination and customer retention capabilities. Achieve has recently adopted FICO Score 10 T, which incorporates trended credit data, and the partnership will allow it to offer more inclusive loan products while managing risk more effectively.
Brad Stroh, Achieve co‑founder and co‑CEO, said the partnership “represents a powerful step forward in Achieve’s mission to provide digital tools, credit access and resources that help consumers reach their financial goals.” Sanjiv Das, Pagaya co‑founder and president, added that embedding Pagaya’s AI network “will help Achieve responsibly increase access to personal loans, while supporting their long‑term vision to deliver a more complete suite of financial solutions.”
The partnership follows Pagaya’s strong Q3 2025 earnings beat, where the company reported revenue of $350 million and EPS of $1.02, far exceeding analyst expectations. The results demonstrate Pagaya’s execution capability and confidence in scaling its AI platform, reinforcing the strategic fit of the new partnership with Achieve.
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