Bad Credit Loans

Do you have poor credit and need cash?

Apply for affordable bad credit loans online with Pachyy!

5 minutes

Time to apply 

1 - 24 Hours

to get cash

$0

fees that we charge

No effect

on your credit score

$100 - $30,000

available to borrow 

24/7

Apply at any time 

Are you looking for the best bad credit loans in your area? We help our customers find the most affordable poor credit loans by comparing bad credit loans from across our network of fair and ethical lending partners.

With our online application you can apply for a bad credit loan for between $100 – $30,000 in under 5 minutes, receive an instant decision, get cash in 24 hours and your credit score will not be affected!

Pachyy Loans
4.6/5
"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"
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Apply For a Loan in 4 Simple Steps

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* 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.

What Is a Bad Credit Loan?

A bad credit loan is specifically designed for individuals that have a poor credit score or bad credit history. You may have defaulted on a loan previously, not have had time to build up your credit score or were affected by an event that reduced your credit score.

At Pachyy, we are passionate about facilitating safe, straightforward and affordable loans to everyday Americans, helping them rebuild their financial health. We believe that your past should not limit your future if you are committed to rebuilding your financial health!

Therefore, we partner with lenders that share our passion and commitment to helping our customers build their financial health. We achieve this by offering affordable loans to those with a bad credit history. Unlike traditional banks, our partners consider more than just your credit score. 

Some of the additional information that our partners consider:

Type of Home

Age

Loan Amount

Monthly Income

Employment Status

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Pachyy Logo Long

Why Choose Pachyy?

Trustworthy

We only partner with fair and ethical lenders

Fast

Apply in under 5 minutes & receive cash in 24 hours

Free

We charge no Application fees, success fees or any hidden fees

Easy

Our online application is simple to complete and requires only basic information

Soft Search

Applying for a loan through Pachyy will not affect your credit score

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.

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Can I Get a Bad Credit Loan?

To apply for a bad credit loan you must meet all of the following criteria:

Be a US Citizen

+18 years of age

Have a live checking account

Steady monthly income of +$800

Be able to make repayments

We offer a variety of bad credit loans that are designed to suit your needs best. Simply enter your details into our application to find the best bad credit loan options for you today!

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Types of Bad Credit Loans that we Offer

We offer a variety of bad credit loans that are designed to fit your needs. You may only need a cash advance on your next paycheck, in which case, our payday and cash advance loans may be best for you. Alternatively you may need to borrow a larger amount for longer, in which case, an installment loan or a collateral loan might suit your needs better.

Bad Credit Loans that we Offer

Payday Loans

Cash Advance

Installment Loans

Collateral Loans

Auto Loans

Secure Loans

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Why Would I Need a Bad Credit Loan?

Bad Credit loans are specifically designed for individuals that have a poor credit history but are committed to building their financial health.

Occasionally, you may find that you are hit with an unexpected expense or need to borrow money for a long term commitment. Either way, if you have a bad credit score, it can be very difficult to get a loan from a traditional bank. Together with our lending partners, we are committed to helping hardworking Americans improve their financial health by offering them affordable credit even if they have a poor credit history.

Medical Bills

Auto Repair Costs

Funeral Bills

Poor Credit Score

With Pachyy, applying for a bad credit loan is simple. Our application can be completed in under 5 minutes . If accepted, you will normally receive you loan within 24 hours of applying with Pachyy.

Applying for a bad credit loan online with Pachyy is easier than applying through a traditional bank or in person. Traditional banks typically do not consider individuals with poor credit. Even if you are considered, a traditional bank can take weeks to process your application before you get paid! With Pachyy, you can get cash within 24 hours. We will also help find the best lender for you from our select partners, guaranteeing that you get the best rates.

Still not sure which type of bad credit loan is right for you?

No Problem!

Start a free application below and we will find the loan that suits you best!

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How to Get a Bad Credit Loan

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

Start an Application with Pachyy

Our application is designed to be user friendly. It is normally completed within 5 minuets and we do not charge any fees!

Sit back and let us work our magic!

Once you have submitted your application, we will evaluate all of your options and find the best loans for you. You will be notified of potential loans almost instantly after you submit your application.

Receive your Cash

Subject to further checks, you will be sent a loan agreement by email for the loan of your choosing. Once you have signed this loan agreement, cash will be wired to your checking account.

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What Do I Need to Apply for a Bad Credit Loan?

Applying for a bad credit loan with Pachyy is quick and easy. The only information that we need is:

Employment Status

Valid checking account to receive funds​

Contact details Phone number & email​

Drivers licence or a state ID to verify your identity​

Even if you have a low credit score, you can still apply for a bad credit loan if you provide us with the above details. Simply enter your details into our application to find the best bad credit loan options for you today!

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Does Pachyy Offer Bad Credit Loans near me?

Get a Bad Credit Loan in

Alabama  California Colorado Florida Illinois Indiana Iowa Kentucky Nevada Louisiana Maryland Ohio Tennessee Texas

We help provide bad credit loans across 12 US states. Below is a list of the US States that we serve and that you can get a bad credit loan in. If you are in one of these states, you can apply for a bad credit loan with Pachyy using our free online application form

Alabama
Colorado
Illinois
Indiana
Iowa
Kentucky
Nevada
Louisiana
Maryland
Ohio
Tennessee
Texas
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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.