Need to borrow between $100 - $35,000 over a long period?
Let Pachyy find the best collateral loan for you
Time to apply
1 - 24 Hours
to get cash
fees that we charge
on your credit score
$100 - $32,000
available to borrow
Apply at any time
Here at Pachyy, we help our customers find the most affordable loans by comparing loans from across our network of fair and ethical lending partners. If you have valuable collateral, we can help you find the best rates on your loans or help you get a loan even if you have a low credit score.
With our online application you can apply for a collateral loan in under 5 minutes, receive an instant decision and get cash in 1 – 24 hours. Your credit score will not be affected and you can still apply with bad credit.
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 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.
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 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 live checking account
Steady monthly income of +$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!
Types of Collateral Loans that we Offer
We offer a variety of collateral 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 might suit you best.
Collateral Loans that we Offer
Why Would I Need a Collateral Loan?
Auto Repair Costs
Poor Credit Score
Still not sure which type of collateral loan is right for you?
Start a free application below and we will find the loan that suits you best!
How to Get a Collateral Loan
Get a payday 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 Collateral Loan?
Applying for a collateral 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 bad credit, 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!
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.
Gold & Silver
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!
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 12 US states. Below is a list of the US States that we serve and that you can get a collateral loan in. If you are in one of these states, you can apply for a collateral loan with Pachyy using our free online application form