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Installment Loans

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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 an Installment 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 an Installment Loan?

An installment loan is a loan that is repaid over many months with regular repayments.

Unlike cash advance or payday loans, installment loan repayments are spread over many months. Whether you are applying for a $100 loan or a $35,000 loan, an installment loan gives you the flexibility to repay your loan in your own time. You can get a loan for 2 months, 12 months or even 2 years.

Paying off a loan over a longer period of time can reduce the size of your monthly repayments, help you rebuild your finances and improve your credit score.

Depending on your personal profile, credit score and needs, we offer collateral loans, bad credit loans and unsecured loans that can be paid back over many months.

Can I Get an Installment Loan?

To Apply For an Installment 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 an installment loan if you meet the above criteria. Simply enter your details into our application to find the best installment loan options for you today!

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Why Choose Pachyy for an Installment 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 an “installment 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.

What Do I Need to Apply for an Installment Loan?

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

Why Would I Need an Installment Loan?

If you need to borrow money quickly but have a low credit score, an installment loan could help you!

Installment loans can be used to pay for unexpected expenses, large personal expenses or business expenses. If you are unable to wait until your next payday to cover an unexpected expense or do not have time to save up for a large purchase, an installment loan can help you!
Medical Bills
Auto Repair Costs
Funeral Bills
Poor Credit Score

Installment loans are a great solution if you need to stay on top of unexpected bills, such as medical bills, car accident bills, funeral bills without having the pressure of paying back a loan in a couple weeks. Additionally, installment loans are ideal for large personal purchases and business costs that you can pay off over many months.

With Pachyy, you can apply for an installment 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 an Installment 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 Installment Loans near me?

Get an Installment Loan in

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

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