Pagaya Announces New Point-of-Sale Partnership With Sezzle to Expand Consumers’ Options for Sezzle Customers

(High)

(Very Positive)

Key Terms

ai underwriting platform technical

An AI underwriting platform is software that uses machine learning to evaluate applications for loans, insurance or securities by analyzing data and predicting risk, pricing and approval likelihood. It acts like a fast, data-savvy clerk that automates decisions and highlights cases needing human review. Investors care because these platforms can cut costs and speed growth while changing the company’s risk profile and exposing it to model, data and regulatory risk.

installment loan financial

An installment loan is a type of credit where a borrower receives a lump sum and repays it in a set number of regular payments (principal plus interest) over a fixed period, like a mortgage or car loan paid monthly. For investors, these loans matter because they create predictable cash flows for lenders and carry credit and interest-rate risk—changes in default rates or rates can affect the value of investments tied to these loans.

decisioning tools technical

Decisioning tools are software systems that analyze data and apply predefined rules or models to make or recommend consistent choices—like a GPS that uses traffic and rules to pick the best route. For investors, these tools matter because they can speed operations, reduce human error, enforce regulations, and scale decision-making across lending, risk management, pricing, or clinical triage, which affects a company’s costs, revenue and regulatory risk.

embedded decisioning technical

Embedded decisioning is the practice of putting automated rules, models or algorithms directly inside business software so the system can make real-time choices without human intervention. For investors, it matters because these built-in decisions can speed operations, reduce errors, and enforce compliance consistently—much like a GPS that reroutes automatically—affecting costs, customer experience, and operational risk for companies that use it.

See more from StockTitan in Google Search and AI answers. Adds StockTitan as a preferred source · opens Google

Add on Google

05/05/2026 - 08:30 AM

New Sezzle and Pagaya partnership gives shoppers full visibility into payment options, including longer-term financing
Pagaya’s products drive higher levels of approvals and larger baskets for merchants, with no added operational friction for partners

NEW YORK--(BUSINESS WIRE)-- Pagaya Technologies Ltd. (NASDAQ: PGY) (“Pagaya”), a global technology company delivering AI-driven product solutions for the financial ecosystem, today announced a new partnership with Sezzle (NASDAQ: SEZL), the digital financial platform designed to empower the next generation of consumers. Through the partnership, Sezzle will embed Pagaya’s AI underwriting platform at the point of sale to help more qualified borrowers access an installment loan product, issued by WebBank, while preserving a seamless Sezzle customer experience. Merchants that enable Sezzle payments will see added value with higher approval rates and basket sizes.

“This partnership allows Sezzle long-term lending customers to access greater spending power, while keeping the experience simple, transparent, and entirely within the Sezzle ecosystem,” said Amin Sabzivand, Chief Operating Officer of Sezzle. “By integrating Pagaya’s decisioning tools alongside our core product, we’re giving shoppers more choice at checkout and helping merchants unlock higher-value transactions without added complexity.”

Pagaya continues to develop embedded decisioning tools and financing products that help lenders responsibly expand consumer spending power through higher limits and longer-term financing. Pagaya’s product provides simultaneous decisioning to ensure a seamless customer experience while driving greater merchant value without added friction.

“By embedding Pagaya’s AI-powered underwriting platform alongside Sezzle’s existing decisioning, we can responsibly extend higher spending capacity and more flexible financing options without adding friction for shoppers or merchants,” said Sanjiv Das, co-founder and President of Pagaya. “We are fundamentally evolving how we show up at the point of sale by positioning Pagaya as a personal loan provider seamlessly integrated into our partners' platforms. This collaboration allows Pagaya and Sezzle to jointly pursue enterprise-level merchants with a lending product that drives higher approval rates. It’s a prime example of how our technology enables partners to offer a more differentiated, comprehensive solution to their biggest merchant clients.”

Sezzle joins a growing list of bank and non-bank partners working with Pagaya to unlock greater access to financial services for their customers through unique products built utilizing AI models, real-time decisioning capabilities, and seamless integration designed to yield a better customer experience.

About Pagaya

Pagaya (NASDAQ: PGY) is a global technology company making life-changing financial products and services available to more people nationwide, as it reshapes the financial services ecosystem. By using machine learning, a vast data network and an AI-driven approach, Pagaya provides consumer credit and other products for its partners, their customers, and investors. Its proprietary API and capital solutions integrate into its network of partners to deliver seamless user experiences and greater access to the mainstream economy. For more information, visit pagaya.com.

About Sezzle Inc.

Sezzle is a forward-thinking fintech company committed to financially empowering the next generation. Designed to support users throughout every stage of their financial journey, Sezzle’s all-in-one app enables users to shop, earn, and learn in a seamless experience. By offering point-of-sale financing and digital payment services, Sezzle enhances purchasing power while connecting millions of consumers with its global network of merchants. Centered on transparency, inclusivity, and ease of use, Sezzle empowers consumers to manage spending responsibly and build lasting financial independence.

For additional assets and news on Sezzle please visit https://my.sezzle.com/news/.

Follow Sezzle on social media: LinkedIn | Instagram | Twitter

Loans issued by Sezzle and third party lenders, including WebBank. Refer to your loan agreement for lender information. All loans are subject to credit approval.