Pagaya posts Q2'26 borrower data: auto WAC falls to 17.7%, personal loans hold ~20% coupon, 662 credit score

Pagaya Technologies Ltd.

Personal loan portfolio as of Q2'26: ~$11K average loan size, 662 weighted average credit score, ~20% weighted average coupon, ~$125K average borrower annual income.
2026-Q2 personal loan vintage: $11,459 average loan, 662 credit score, 20.13% WAC, 28.02% DTI and 6.64% PTI; WAC was 21.53% in the 2021-Q1 vintage.
Auto portfolio as of Q2'26: 18% weighted average coupon, $37K average loan size, 594 credit score, 124% LTV and $88K average borrower income.
Auto vintage WAC dropped to 17.73% in 2026-Q2 from 20.46% in 2025-Q4, while weighted average original term rose to 75.2 months from 71.6 months.
2026-Q2 auto loans show 23,984 average miles and 2.18 years average vehicle age, versus 35,033 miles and 3.10 years in the 2025-Q4 vintage.

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