Achieve and Pagaya Launch Partnership to Expand Access to Personal Loans
Rhea-AI Summary
Achieve and Pagaya (NASDAQ: PGY) announced a partnership dated Dec 17, 2025 to expand consumer access to personal loans via Achieve's platform. Achieve will integrate Pagaya's AI-powered underwriting and data network to broaden credit access while serving as end-to-end servicer for the loans.
The collaboration will initially focus on personal-loan decisioning via Pagaya's API and consumer data set, with plans to explore prescreening, affiliate marketing, and additional lending products over time. Achieve highlights its recent adoption of FICO Score 10 T for richer borrower insights.
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Market Reality Check
Peers on Argus
PGY showed a positive pre-news move of 3.96% while peers were mixed: MQ +3.36%, AVPT +2.62%, PAYO +1.9%, but PAGS -2.12% and APPN -0.65%, pointing to more company-specific dynamics than a clear sector-wide trend.
Historical Context
| Date | Event | Sentiment | Move | Catalyst |
|---|---|---|---|---|
| Dec 10 | ABS funding deal | Positive | -0.6% | Closed $500M AAA-rated personal loan ABS, expanding 2025 ABS funding scale. |
| Dec 03 | ABS issuance record | Positive | +2.6% | Closed $400M auto ABS and reached record $7.6B YTD issuance. |
| Nov 26 | Investor conferences | Neutral | +0.8% | Announced participation in December investor conferences without new financial metrics. |
| Nov 10 | Earnings and guidance | Positive | +12.8% | Reported record Q3 2025 results and raised full-year guidance across key metrics. |
| Nov 03 | Auto flow agreement | Positive | -2.4% | Signed auto forward flow to sell up to $500M of auto loans via platform. |
Recent news on funding scale-ups and record ABS issuance often coincided with positive moves, while some capital and flow agreements saw muted or negative reactions, indicating selective market appreciation of growth and funding announcements.
Over the last few months, Pagaya has highlighted scaling of its funding and network. On Nov 10, 2025, record Q3 results and raised 2025 guidance drove a 12.8% gain, underscoring market support for profitable growth. Subsequent auto and personal loan ABS deals on Dec 3 and Dec 10 added billions in issuance with mixed price reactions. A forward flow auto agreement on Nov 3 was followed by a small decline. Against this backdrop, the Achieve partnership extends Pagaya’s use-case breadth on the consumer lending side.
Market Pulse Summary
This announcement adds another consumer-focused partner to Pagaya’s AI-driven lending network, integrating its underwriting technology into Achieve’s personal loan platform. It builds on recent milestones like record ABS issuance and expanded auto forward flow agreements, which have scaled funding capacity across asset classes. Key factors to monitor include loan volumes channeled through Achieve, credit outcomes on this broader borrower mix, and any future expansion into additional Pagaya products across the partnership.
Key Terms
api technical
fico score 10 t financial
AI-generated analysis. Not financial advice.
Premiere digital personal finance company Achieve to leverage Pagaya's credit-decisioning technology and data network to responsibly broaden access to personal loans for consumers
Initially, Achieve will integrate Pagaya's AI-powered underwriting technology and broad, data-rich network to provide responsible access to personal loans for an expanded mix of consumers. Achieve will serve as the end-to-end relationship manager and servicer throughout the life of the loans offered through this partnership.
Achieve joins Pagaya's network of dozens of bank and fintech partners that rely on Pagaya to responsibly extend credit to more consumers, retain customer relationships and manage credit exposure through the use of Pagaya's consumer data set and seamless API integrations. Over time, Pagaya and Achieve, along with several others currently in Pagaya's onboarding stage, expect to expand their collaboration beyond personal loan decisioning by leveraging Pagaya's full suite of robust capabilities, including its prescreen and affiliate marketing products, along with Achieve's broad suite of capabilities, to connect more consumers with the right product at the right moment.
As the trusted leader in debt consolidation and liability optimization, Achieve embraces a variety of innovative strategies designed to help consumers improve their financial well-being. Earlier this year, Achieve became one of the first personal loan platforms to adopt FICO® Score 10 T, which incorporates trended credit data to offer a comprehensive view of borrower behavior.
"Our partnership with Pagaya represents a powerful step forward in Achieve's mission to provide digital tools, credit access and resources that help consumers reach their financial goals," said Achieve Co-Founder and Co-CEO Brad Stroh. "Achieve and Pagaya share closely aligned missions and we're excited about the prospect to build a long-term, strategically integrated partnership. By combining Pagaya's AI-driven technology with the Achieve platform, we are reshaping how everyday Americans optimize their household balance sheets."
"We are proud to partner with Achieve, a meaningful player in helping consumers better manage and optimize debt," said Sanjiv Das, Co-Founder and President of Pagaya. "By embedding Pagaya's AI-powered network with Achieve's existing platform, we can help them responsibly increase access to personal loans, while supporting their long-term vision to deliver a more complete suite of financial solutions. This partnership, along with several new lending partnerships expected in the near term, will grow to include multiple products across our lending product suite. We look forward to partnering with Achieve to create more value for more of their customers."
About Achieve
Achieve, THE digital personal finance company, helps everyday people get on, and stay on, the path to a better financial future. Achieve pairs proprietary data and analytics with personalized support to offer personal loans, home equity loans, debt relief and debt consolidation, along with financial tips and education and free mobile apps: Achieve MoLO® (Money Left Over) and Achieve GOOD™ (Get Out Of Debt). Achieve has 2,200 dedicated teammates across the country, with hubs in
Achieve refers to the global organization and may denote one or more affiliates of Achieve Company, including Achieve.com, Equal Housing Opportunity (NMLS ID #138464); Achieve Home Loans, Equal Housing Opportunity (NMLS ID #1810501); Achieve Personal Loans (NMLS ID #227977); Achieve Debt Relief (NMLS ID # 1248929); and Freedom Financial Asset Management (CRD #170229). Personal loans are originated by Cross River Bank, a New Jersey State Chartered Commercial Bank, Equal Housing Lender.
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 a sophisticated AI-driven approach, Pagaya provides comprehensive consumer credit and residential real estate 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. Pagaya has offices in
Achieve Contacts
Austin
akilgore@achieve.com
214-908-5097
Elina Tarkazikis
etarkazikis@achieve.com
Pagaya Contacts
Investors & Analysts
ir@pagaya.com
Media & Press
press@pagaya.com
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SOURCE Achieve
FAQ
What did Pagaya (PGY) and Achieve announce on December 17, 2025?
How will Pagaya's technology be used by Achieve on the platform?
Will Achieve service loans originated through the Pagaya partnership?
Does the announcement specify financial terms or funding amounts for the Pagaya-Achieve deal?
What future capabilities could the Pagaya and Achieve partnership expand into?
