Need Cash Quick?

We Got It.

Collateral Loans

Get a Collateral Loan Today

Compare & Get Collateral Loans

  • Loans for $100 - $30,000
  • Apply in under 5 minutes
  • Free application
  • No effect on your credit score
  • Receive cash in under 24 hours*

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 "
Previous slide
Next slide
☆☆☆☆☆ 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 Collateral 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

Apply Now

What is a Collateral Loan?

A collateral loan is a loan that is backed by a valuable item (collateral). This means that when you take a collateral loan out, you pledge a valuable item as security. If you do not pay your loan back, the lender may repossess your collateral.

If you pledge collateral, lenders are typically are more lenient because their loan is secure. As a result, lenders are more comfortable offering lower interest rates and / or lending to individuals with low credit scores.

At Pachyy, we are passionate about facilitating safe, straightforward and affordable loans to everyday Americans, helping them build their financial health. We partner with lenders that share our passion and commitment to building financial health by offering affordable and flexible loans.

Can I Get a Collateral Loan?

To Apply For a Collateral 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

Even if you have bad credit, you can still apply for a collateral loan if you meet the above criteria. Simply enter your details into our application to find the best collateral loan options for you today!

Apply Now
Pachyy Logo Long

Why Choose Pachyy for a Collateral 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 “collateral 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.

Apply Now

What Do I Need to Apply for a Collateral Loan?

Applying for a Collateral 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 collateral loan if you provide us with the above details. Simply enter your details into our application to find the best collateral loan options for you today!

Apply Now

Why Would I Need a Collateral Loan?

If you need to borrow money and have valuable collateral, a collateral loan can help you get a more affordable loan!

We understand that occasionally you may be hit with an unexpected expense or need to borrow money for a long term commitment. 

Collateral loans can be used to pay for unexpected expenses or opportunities which you do not have enough cash to cover. Collateral loans are often more affordable that loans that are unsecured, especially if you have a low credit score.

As such, collateral loans are often used to finance large personal / business expenses, pay for an emergency or bridge you over until your next payday.

Medical Bills
Auto Repair Costs
Funeral Bills
Poor Credit Score
Collateral loans are designed to minimise you borrowing costs. By pledging collateral as part of you loan, you can keep your loan affordable. Therefore, collateral loans are often used when borrowing a large amount of money or by individuals with low credit scores. Traditional banks can take weeks to process your loan application, decide on your eligibility and pay you your loan! However, with Pachyy, you can apply for a collateral loan between $100 and $30,000 in under 5 minutes. Once you submit your application, you will be immediately notified of potential collateral loans and could receive cash in 1-24 hours. The collateral loans that we offer are affordable and flexible, thereby giving you greater control over your financial health.

Still Not Sure That a Collateral Loan is Right For You?

No Problem!

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

Apply Now

Types of Collateral Loans That We Offer

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

Payday Loans

Cash Advance

Installment Loans

Collateral Loans

We offer a variety of collateral loans that are designed to fit your needs. Depending on your level of savings, different collateral loans may be better suited to you. You may need a cash advance or you may need to borrow a larger amount for longer, in which case, an installment loan might suit you best. Regardless of your circumstances, we are here to help you find the best loan.
Apply Now

What type of Collateral do Lenders Accept?

Lenders typically accept anything that is valuable for collateral. That means that you can pledge jewelry such as gold, silver, precious stones as collateral. You can also put you car or motorbike up for collateral – these are typically referred to as auto loans. 

Car
Motobike
Gold & Silver
Precious Stones
Other Assets

Some lenders are more flexible than others when it comes to the type of collateral that they will accept. Let Pachyy help you find the collateral loan that suits you best!

Apply Now

Does Pachyy Offer Collateral Loans near me?

Get a Collateral Loan in

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

We help provide collateral loans across 15 US states. Below is a list of the US States that we serve and that you can get a collateral loan in.

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

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.