AI-Advisor helps lower loan payments and get approved for more cash.
The problem Pago.AI addresses is the high rate of loan rejections due to Debt-to-Income (DTI) ratios. Many borrowers, even those with good credit ratings, get declined or receive smaller loan amounts because their DTI is too high. This occurs without clear explanations from the banks, and many of these individuals could qualify if they adjusted their financial structure (e.g., through refinancing). The solution Pago.AI offers is an AI-powered advisor that analyzes credit reports, explains the reasons behind rejections, calculates refinancing options, and helps users reduce loan payments while potentially securing more cash. Essentially, Pago.AI converts DTI-related rejections into approvals by guiding users through restructuring their existing debts
Artificial Intelligence And Digital Services
Artificial intelligence
2 months
Brazil (first) and Russia (next)
Pago.AI’s competitive advantages include its ability to provide hyper-personalized financial advice through a trained AI model that has deep knowledge of global credit and refinancing options. It simplifies complex financial concepts for users, helping them achieve real savings and better loan outcomes. Additionally, it generates income for partners where they would have otherwise lost business due to DTI-related rejections
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