Side by side
Pagaya vs ZestAI
2 tools side by side, on the data we have on file for each.
| Pagaya | ZestAI | |
|---|---|---|
| Price | $19 per month | from $19 per month |
| Free tier | No | No |
| Our score | 3.9 / 5 | 3.8 / 5 |
| Our line on it | Approve more loans. | Lacks simplicity, expensive for smaller lenders. |
| Best for | Credit lenders and banks | Large credit unions and banks |
| Not for | Small credit lenders | Smaller lenders with limited budgets |
| Platforms | Web, API | Web |
| Automation features | - | Yes° |
| Data integration | Yes° | - |
| Real-time reporting | Yes° | - |
| Category | Finance and legal | Finance and legal |
| Best described as | Financial Planning | Financial Planning |
| Last checked | 5 Oct 2026 | 3 Oct 2026 |
° Read from the vendor's own pages; not yet confirmed by a reviewer.
We have not written a verdict for this pairing
The table above is the data on each tool's own page, side by side. A written head-to-head goes further: it names a winner per use case and says who should stay where they are. Those are written by a reviewer, pair by pair, so this one may not have its verdict yet.