Need Cash?

Let Pachyy find you a fast loan with the best rates!

If you need to borrow money, Pachyy is here to help you! 

With our quick, easy, free, online application, you can apply for a $300, $1,000 or even a $35,000 loan in 5 minutes, receive a decision instantly and get cash in as fast as 1 hour! 

We do not charge any fees and yes bad credit is considered!

Pachyy Loans
"Applying was a breeze and I received all the cash that I needed in 3 hours"
"So easy, so fast, would recommend to anyone needing a loan quickly"
"Pachyy found me a loan with a very low interest rate and didn't charge any fees - would recommend"
"I was skeptical at first, but Pachyy helped me find an affordable loan and didn't charge any hidden fees"

Apply For a Loan in 4 Simple Steps


* You must be 18 years or older to apply for a loan

* At Pachyy, we take your personal privacy very seriously. We ask for your email and mobile number in order to contact you if your application is successful.

Home Address

* Monthly Net Income: Your monthly earnings after tax 

* By clicking “Submit”, you consent and agree to the Privacy Policy, Terms of Use, Ad Disclosure, Credit Authorization, Rates & Fees, and E-Consent.

Representative Example: On an assumed loan amount of $750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount $1,351.20 and total interest is $601.20. 12 monthly payment of $112.60. We do not know how many customers take out a loan or the APR, this calculation is based on the mean APR of the lenders we work with.


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Why Choose Pachyy?

At Pachyy, we are passionate about facilitating safe, straightforward and affordable loans to everyday Americans, helping them to build their financial health.

Our job is to find you the best loan, from the best lenders, as quick and as conveniently as possible!

Our unique online application process is easy, completely free and can be done in under 5 minutes. We will process your request instantly and if we find a suitable lender for you, you can receive cash in under 24 hours.

Once we receive your application, we instantly compare your loan options across all of our partners to find the best loan for you.

We only partner with the most respectable lenders nationwide, giving you peace of mind that you will be treated fairly and ethically.

We do not charge any fees. Our loan application process is free. We do not charge any success fees once you receive your loan.

FAQ | Frequently Asked Questions

No, we do not charge any fees for applying. You always have peace of mind that you can submit a loan request and no money will be taken from your bank account. We simply charge fees if your loan is approved, comprising of monthly interest payments.

Customers can borrow between $100 to $35,000 repaid over 3 to 24 months. The amount you can borrow will depend on your income, credit rating and current debt outstanding. This includes payday loans, personal and short term loans.

Customers can receive an instant decision when they submit a form and depending on the product, they can sometimes receive funds within 1 hour or the next business day. For products that require extra information like secured loans, you can receive money into your bank account within 1 week of submitting a form.

To be eligible to borrow money with Pachyy, you must be a U.S. resident and at least 18 years of age, with steady employment, earning at a minimum of $800 per month and a live checking account for your loan to be deposited into. You must be able to afford repayments.

Yes, we can assist those looking for bad credit loans, including those with poor credit and those with no credit checks. You will usually need to have a stable income and can afford to make monthly repayments. Whilst you have a history of bad credit, the lender just needs confidence that your credit score is improving and you are on track to repay on time. We may also present you with loans with collateral or security, so that you access the funds the you require.

Our online form takes less than 5 minutes to be completed and will give you an instant decision on screen. We can connect you with one of the reputable lenders in our network. There are no fees for submitting a form and your data will be kept safely and securely on our website.

No, Pachyy offers soft search loans that will check of the basis of your credit record but not leave any visible footprint. You can have peace of mind when you submit a form that the form will not harm your credit score in any way, or affect your chances of being approved for other loans in the future.

Repayments are collecting from your checking account once per month, on a date that you request. This is usually the day that you get paid from work. Repayments are collected in equal monthly installments and you always have the option to repay early if you wish to do so.

Whether you are looking to borrow $100 or borrow $300 until your next payday, Pachyy is here to help. You can borrow as much as $35,000 over 60 months, depending on factors such as your income, credit score and affordability.

Yes, we can help if you are looking you need to borrow money immediately, but all applications will be subject to further checks including confirmation of your income and credit score – so we aim to approve and complete your loan within 1 hour, 24 hours or the next business day.

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We were not able to match you with one of our lenders

Unfortunately, at this time, we were not able to match you with one of our lenders. We are constantly growing our network of partners in order to accommodate all of our customer requests. Just because we were unable to help you, this doesn’t mean that other loan providers wont be able to assist you and we recommend that you submit an application with them.