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Debt Consolidation Loans

Compare & Get Debt Consolidation Loans

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 "
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$100 -

Find loans for
$100 – $30,000


 Compare and apply for loans in under 5 minutes 


We charge no fees of any kind 


 Compare and apply with no effect on your credit score 


Get cash in under 24 hours* 


Apply for loans 24/7

Get a Debt Consolidation Loan in 3 Steps


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 Debt Consolidation Loan?

Debt consolidation loans are loans that allow individuals to combine multiple debts into a single loan. The purpose of a debt consolidation loan is to simplify the repayment process (especially if you have multiple loans from a variety of lenders) and potentially reduce the overall interest rate or monthly payment amount.

A debt consolidation lender will lend you a loan that covers the total amount of your existing debts. You would then use this loan to repay all other loans that you may have, leaving you with only one loan.

At Pachyy, we are passionate about facilitating safe, straightforward and affordable debt consolidation 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 Debt Consolidation Loan?

To Apply For a Debt Consolidation 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 debt consolidation loan if you meet the above criteria. Simply enter your details into our application to find the best debt consolidation loan options for you today!

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Why Choose Pachyy for a Debt Consolidation 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.


Our application is simple and takes less than 5 minutes


Since 2019 we helped thousands of trusting customers


SSL secure - all personal information is securely protected


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

If you are looking for a “debt consolidation 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 consolidate their credit and 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 Debt Consolidation Loan?

Applying for a Debt Consolidation 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


Drivers licence or an ID to verify your identity

Even if you have a low credit score, you can still apply for a credit consolidation loan if you provide us with the above details. Simply enter your details into our application to find the best credit consolidation loan options for you today!

Why Would I Need a Debt Consolidation Loan?

If you have many loans outstanding, a debt consolidation loan can help you to merge all your loans into one loan

We understand that over time you may have taken out numerous loans from a variety of lenders, leaving you with a lot of debt and having to make monthly payments to many lenders.

Debt consolidation loans can be used to rationalise your debt. Consolidating your debt means that you only have to deal with one lender, which means that you only have to pay one bill and communicate with a single lender. Other benefits that debt consolidation loans provide are:

One lender
Better Credit Score
Lower Repayments
Lower Interest Rates

Debt consolidation loans can be used to pay off a variety of loans. Regardless of whether you have taken out payday loans, cash advances, installment loans, collateral loans etc. or any combination of these loans, they can all be joined into a single debt consolidation loan with a lower overall interest rate. 

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 debt consolidation loan between $100 and $30,000 in under 5 minutes. Once you submit your application, you will be immediately notified of potential debt consolidation loans and could receive the cash to pay off your existing debt in 1-24 hours.

Even if you have bad credit you may still be eligible for a debt consolidation loan!   

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

Still Not Sure That a Debt Consolidation Loan is Right For You?

No Problem!

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

Does Pachyy Offer Debt Consolidation Loans near me?

Get a Debt Consolidation Loan in

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

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

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.