Bad Credit Loans
Do you have poor credit and need cash?
Apply for affordable bad credit loans online with Pachyy!
Time to apply
1 - 24 Hours
to get cash
fees that we charge
on your credit score
$100 - $30,000
available to borrow
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!
Apply For a Loan in 4 Simple Steps
* 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.
* Monthly Net Income: Your monthly earnings after tax
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
Why Choose Pachyy?
We only partner with fair and ethical lenders
Apply in under 5 minutes & receive cash in 24 hours
We charge no Application fees, success fees or any hidden fees
Our online application is simple to complete and requires only basic information
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.
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!
Types of Bad Credit Loans that we Offer
Bad Credit Loans that we Offer
Why Would I Need a Bad Credit Loan?
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.
Auto Repair Costs
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?
Start a free application below and we will find the loan that suits you best!
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.
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:
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!
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