Need Cash Quick?

We Got It.

No Credit Check Loans

Compare & Get No Credit Check Loans

What Our 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 No Credit Check 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

What is a No Credit Check Loan?

A no credit check loan is designed for individuals whose credit history is not representative of their ability to pay back a loan. 

Typically this means that you have a low credit score because you defaulted on a loan previously or you have not built up your credit score yet. As a result, your credit score may not be a good indicator of your credit worthiness and should not be considered when applying for a loan.

We partner with lenders that share our passion and commitment to building financial health by offering affordable loans to those with poor credit scores. Unlike traditional banks, our partners consider more than just your credit score.

Some of the additional information that our partners consider:

Type of Home
Age
Loan Amount
Monthly Income
Employment

Can I Get a No Credit Check Loan?

To Apply For a No Credit Check 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

If you have a poor credit score, you can apply for a no check credit loan if you meet the above criteria. Simply enter your details into our application to find the best no credit check loan options for you today!

Pachyy Logo Long

Why Choose Pachyy for a No Credit Check 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 “no credit check 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 a No Credit Check Loan?

Applying for a No Credit Check 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

If you have a low credit score, you can apply for a no credit check loan if you provide us with the above details. Simply enter your details into our application to find the best no credit check loan options for you today!

Why Would I Need a No Credit Check Loan?

If you need to borrow money quickly but have a low credit score, a no credit check loan could help you!

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

Either way, if you have a bad credit score, it can be very difficult to get a loan from a traditional bank. Together with our lending partners, we are committed to helping hardworking Americans improve their financial health by offering them affordable credit even if they have a poor credit history.

Medical Bills
Auto Repair Costs
Funeral Bills
Poor Credit Score

No credit credit loans are designed for individuals with low credit score and who are unable to borrow from traditional banks, yet have very strong alternative credit strength indicators such as: high monthly income, valuable assets, guarantors with high credit score, etc.. 

Traditional banks typically do not consider individuals with poor credit. Even if you are considered, a traditional bank can take weeks to process your application!

With Pachyy, you can apply for a no credit check loan between $100 and $30,000 in under 5 minutes. Once you submit your application, you will be immediately notified of potential no credit check loans and could receive cash in 1-24 hours

The no credit check loans that we offer are affordable and flexible, thereby giving you greater control over your financial health. 

Still Not Sure That a No Credit Check Loan is Right For You?

No Problem!

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

Types of No Credit Check Loans That We Offer

We offer a variety of no credit check loans that are designed to fit your needs

We offer a variety of no credit check credit loans that are designed to fit your needs. Depending on your level of savings, different no credit check credit loans may be better suited to you. You may need a cash advance or you may need to borrow a larger amount for longer. 

Regardless of your circumstances, we are here to help you find the best loan.

Does Pachyy Offer No Credit Check Loans near me?

Get a No Credit Check Loan in

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

We help provide no credit check loans across 15 US states. Below is a list of the US States that we serve and that you can get a no credit check 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.

Why Would I Need a No Credit Check Loan?

No Credit Check loans are specifically designed for individuals that have a poor or no credit history but are committed to building their financial health.

Occasionally, you may find that you are hit with an unexpected expense or need to borrow money for a long term commitment – either way, if you have a poor credit score, it can be very difficult to get a loan from a traditional bank.

Together with our lending partners, we are committed to helping hardworking Americans build their financial health by offering affordable credit even to those with low credit scores.

With Pachyy, applying for a no credit check loan is simple and can be done in under 5 minutes online. If we can match you with one of our lending partners, you will normally receive your loan within 24 hours of applying with Pachyy.

Applying for a no credit check loan online with Pachyy is easier than applying through a traditional bank or in person. Traditional banks typically do not consider individuals with low credit scores. 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 possible.

Still not sure which type of no credit check loan is right for you?

No Problem!

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

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