Need Cash Quick?

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Personal Loans, Collateral Loans, Installment Loans, Payday Loans

At Pachyy, we work with lenders across America to bring you the most affordable loans. With our 5 minute free application you can apply for loans across all US states.

Secure

We use 256-bit encryption to ensure that your personal data is safe

Fast

5 minute application and same day loans*

Best

Since 2019, we have served over 500,000 happy customers

Loans That Fit Your Needs

By submitting your information, you certify that you are at least 18 years old and agree to the terms of our Terms of Use, E-Consent, Credit Authorization, that you have carefully read our Disclosures and you acknowledge that you have received or read our Privacy Policy.

Get Personal Loans in 3 Steps

Apply

Submit a simple application with some basic personal information

Instant Decision

After you have submitted your application, you will be instantly notified of lenders with loans that suit you best

Receive You Cash

If you do select a loan and are approved by the lender, cash will be wired to your checking account

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What Our Customers Say

+500,000 Customers Served to Date

“My application took 4 minuets and I was notified of a loan instantly. Great Service!”

“So easy, so fast, would recommend to anyone needing quick loans.”

“Pachyy found me a loan with a very low interest rate and didn’t charge any fees!”

“Quick and easy. Very short application and I received my loan on the same day I applied.”

“Always easy and free to apply and applying for loans doesn’t affect my credit score. Love it!”

“Pachyy helped me get money when I needed it with an easy application and fast cash. Would recommend.”

Personal Loans That We Offer

We offer a variety of personal loans that are uniquley suited to any situation.

Debt Consolidation Loans

Why Choose Pachyy for a Loan?

At Pachyy, our mission to help everyday Americans build thier financial future

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

We are here to help find you the best loan, quickly, conveniently and securely

Easy

Trusted

Secure

Free

If you are looking for a “loans near me” look no further than Pachyy. Our unique online application process is easy, completely free and can be done in under 5 minutes from anywhere in America. Since 2019, we have helped over 500,000 customers get the cash they need when they need it.

We will process your application instantly and compare your loan options across all of our lending partners. If we find a suitable lender you will be immediately notified. 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. No application fees. No success fees. No hidden fees of any kind.

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$100 –
$50,000

Online loans from $100 to $50,000

5
Minutes

Apply for online loans in under 5 minuets

$0
Fees

We provide a free loan application and charge no fees

Same
Day

Our lending partners give fast approvals which means same day loans*

Apply
24/7

Using our online loans application, you can apply for loans 24/7

0
Effect

Submitting a loan does not effect your credit score

Pesonal Loans That Fit Your Needs

Frequently Asked Questions

Do You Charge Any Fees?

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.

How Much Can I Borrow With Pachyy?

Customers can borrow between $100 to $50,000 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.
How Soon Can I Receive My Funds?

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.
What is the Eligibility Criteria?

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.
Do You Offer Loans for Bad Credit?

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.
How Long Does it Take to Apply with Pachyy?

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.
Will Requesting a Loan Affect My Credit Score?

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.
How Do Your Loan Repayments Work?

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.
What is The Minimum and Maximum Amount I Can Borrow?

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 $50,000 over 60 months, depending on factors such as your income, credit score and affordability.
I Need Money Now – Can Pachyy Help?

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.

Secure

Fast

Best

Loans That Fit Your Needs

Apply

Instant Decision

Receive You Cash

Easy

Trusted

Secure

Free

Online loans from $100 to $50,000

Apply for online loans in under 5 minuets

We provide a free loan application and charge no fees

Our lending partners give fast approvals which means same day loans*

Using our online loans application, you can apply for loans 24/7

Submitting a loan does not effect your credit score

Pesonal Loans That Fit Your Needs

Do You Charge Any Fees?

How Much Can I Borrow With Pachyy?

How Soon Can I Receive My Funds?

What is the Eligibility Criteria?​

Do You Offer Loans for Bad Credit?

How Long Does it Take to Apply with Pachyy?

Will Requesting a Loan Affect My Credit Score?​

How Do Your Loan Repayments Work?​

What is The Minimum and Maximum Amount I Can Borrow?​

I Need Money Now – Can Pachyy Help?

What is the Eligibility Criteria?

Will Requesting a Loan Affect My Credit Score?

How Do Your Loan Repayments Work?

What is The Minimum and Maximum Amount I Can Borrow?