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What Our +500,000 Customers Say

"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"
"Fast and easy "
"Of all the cash advance places Pachyy was there when I needed them "
"Always easy to borrow money and charges aren’t outrageous. Love it!"
"It was easy to get the money that I needed."
"I LOVE IT, if I pay off a loan on time I can RE Loan "
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$100 -
Find loans for
$100 – $30,000

 Compare and apply for loans in under 5 minutes 


 Compare and apply for free – we charge no fees 


 Compare and apply with no effect on your credit score 


Get cash in under 24 hours* 


Compare and apply 24/7

Get a Loan in 3 Simple Steps


Submit a simple application with some basic personal data

Instant Decision

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

Receive Your Cash

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


Using our online application tool, you can compare and apply for a variety of different loans that suit you and your circumstances best 

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Why Choose Pachyy For a Loan?

At Pachyy, we are passionate about facilitating safe, straightforward and affordable loans to everyday Americans in California, helping them to build their financial health. Our job is simple: We are here to help find you the best loan, quickly, conveniently and securely.


Our application is simple and takes less than 5 minutes


Since 2019 we helped thousands of trusting customers


SSL secure - all personal information is securely protected


We charge no hidden fees and you have no obligation to take a loan if you apply

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 California. Since 2019, we have helped thousands of customers get the cash that they need.

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 in California and 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.

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.