About Us

Pachyy Loans

Pachyy is a loan comparison and connection service

We help customers find the best loans as quickly and conveniently as possible


Pachyy was established in 2019 with the sole mission of helping hard working Americans find affordable and fair loans.

Typically, consumers are faced with high-cost loans from unfriendly lenders, are at risk of illegal borrowing, cannot get a loan in time to pay for an emergency or are simply not considered because they have a low credit score.

Pachyy’s goal is to offer a convenient, secure and free service to all types of borrowers, helping them compare their loan options. Whether you need some extra cash to make it through a challenging time or to take advantage of an opportunity, we are here to help!

We do not charge our customers a broker fee, admin fee or loan request form fee, and instead we charge our lending partners a commission if your application is successful.

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 fee – we operate an entirely free loan application process and do not charge any success fees once you receive your loan.

How Does it Work?

Get an payday loan quickly with Pachyy. All it takes is 3 simple steps to go from applying to receiving cash!

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.