Collateral Loans

Need to borrow between $100 - $35,000 over a long period?

Let Pachyy find the best collateral loan for you

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.

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"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"

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.

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 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.

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Why Choose Pachyy?

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:

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?

Collateral loans can be used to pay for unexpected expenses or opportunities which you do not have enough cash to cover. You can use collateral loans to improve the affordability of your loans or apply for loans with a poor credit score. Furthermore, you can also use collateral loans to finance large personal / business expenses, pay for an emergency or bridge you over until your next payday.
With Pachyy, applying for a collateral loan is simple and can be done in under 5 minutes online. You will normally receive your collateral loan within 24 hours of applying with Pachyy. Applying for a collateral 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. However, 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 1 – 24 hours. We will also help find the best lender for you from our select partners, ensuring that you get the best rates.

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

No Problem!

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!

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:

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. 

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

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.