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Bad Credit Loans

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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 "

☆☆☆☆☆ 4.6/5

$100 -
$30,000

Find loans for
$100 – $30,000

5
Minutes

Compare and apply for loans in under 5 minutes

Fees
$0

We charge no fees of any kind

No
Effect

Compare and apply with no effect on your credit score

24
hours

Get cash in under 24 hours*

Apply
24/7

Apply for loans 24/7

Get a Bad Credit Loan in 3 Steps

Apply

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

What is a Bad Credit Loan?

A bad credit loan is designed for individuals with poor credit scores or bad credit history.

You may have defaulted on a loan previously, not have had time to build up your credit score or you may have been affected by an event that reduced your credit score.

Traditional banks mainly consider your credit score when determining whether to lend you money. However, this often means that individuals with low credit score do not have access to credit. Unlike traditional banks, our lending 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

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 checking account

Monthly income +$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!

Why Choose Pachyy for a Bad Credit Loan?

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

Our application is simple and takes less than 5 minutes

Trust

Since 2019 we helped thousands of trusting customers

Secure

SSL secure - all personal information is securely protected

Free

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

If you are looking for an “bad credit loan near me” look no further than Pachyy. Our unique online application process is easy, completely free and can be done in under 5 minutes.

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

We will process your application instantly and 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.

No application fees. No success fees. No hidden fees of any kind.

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

To confirm that you are able to repay your loan

Checking Account

Valid checking account to receive cash

Contact details

Phone number & Email

Identification

Drivers licence or an 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!

Why Would I Need a Bad Credit Loan?

If you need to borrow money quickly but have a low credit score, a bad credit loan could help you!

We understand that occasionally you may be 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

Bad credit loans are designed for individuals with low credit score and who are unable to borrow from traditional banks because of their credit score.

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 apply for a bad credit loan between $100 and $30,000 in under 5 minutes. Once you submit your application, you will be immediately notified of potential bad credit loans and could receive cash in 1-24 hours.

The bad credit loans that we offer are affordable and flexible, thereby giving you greater control over your financial health.

Still Not Sure That a Bad Credit Loan is Right For You?

No Problem!

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

Types of Bad Credit Loans That We Offer

We offer a variety of bad credit loans that are designed to fit your needs

Payday Loans

Cash Advance

Installment Loans

Collateral Loans

We offer a variety of bad credit loans that are designed to fit your needs. Depending on your level of savings, different bad credit loans may be better suited to you. You may need a cash advance or you may need to borrow a larger amount for longer.

Regardless of your circumstances, we are here to help you find the best loan.

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 15 US states. Below is a list of the US States that we serve and that you can get a bad credit loan in.

FAQ | 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 $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.

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 $35,000 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.

Need Cash Quick?We Got It.