Payday Loans

Do you need cash?

Apply for affordable payday loans online with Pachyy!

5 minutes

Time to apply

1 - 24 Hours

to get cash

$0

fees that we charge

No effect

on your credit score

$100 - $32,000

available to borrow

24/7

Apply at any time

Are you looking for the best payday loans in your area? We help our customers find the most affordable payday loans by comparing payday loans from across our network of fair and ethical lending partners.

With our online application you can apply for a payday loan in under 5 minutes, receive an instant decision and get cash in 24 hours. Your credit score will not be affected and you can still apply with bad credit.

 4.6/5

"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

How Much Do You Need To Borrow?

For How Long?

Name

Last Name

Date of Birth

* You must be 18 years or older to apply for a loan

Mobile

* 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

Are you a home owner?

Do you own a vehicle?

Employment Type

Monthly Net Income

* Monthly Net Income: Your monthly earnings after tax

How often are you paid?

Do you have a checking account?

An error occurred.

* 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 Payday Loan?

A payday loan is normally used to help you pay for unexpected expenses before your next paycheck. If an unexpected expense or an emergency occurs and you have a lack of cash, a payday loan can help you pay for this expense without having to wait for you next paycheck.

Payday loans are also known as cash advance loans or payday advance loans. You receive a lump sum cash amount and typically repay the loan and interest when you receive you next paycheck.

If you need to borrow a larger loan or need more flexibility, you can also repay the loan over multiple months (2 – 24 months) – rather than repaying $200, $500 or $1,000 in a couple weeks, you can spread out your repayments over many months.

Why Choose Pachyy?

Trustworthy

We only partner with fair and ethical lenders

Fast

Apply in under 5 minutes & receive cash in 24 hours

Free

We charge no Application fees, success fees or any hidden fees

Easy

Our online application is simple to complete and requires only basic information

Soft Search

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 Payday Loan?

To apply for a payday 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 payday loan if you meet the above criteria. Simply enter your details into our application to find the best payday loan options for you today!

Why Would I Need a Payday Loan?

Occasionally, you may find that you are hit with an unexpected expense and do not have enough cash to cover it. If you are unable to wait until your next payday and you need cash now, a payday loan can help you.

Medical Bills

Auto Repair Costs

Funeral Bills

Other Unexpected Bills

A payday loan allows you to get the cash you need when you need it and take control of your finances without needing to wait for you next paycheck.

Payday loans are perfect for allowing you to stay on top of unexpected bills, such as medical bills, car accident bills, funeral bills and many other types of unexpected bills.

With Pachyy, applying for a payday loan is simple and can be done in under 5 minutes online. You will normally receive your payday loan within 24 hours of applying with Pachyy.

Applying for a payday loan online with Pachyy is easier than applying through a traditional bank or in person. Traditional banks 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 that a payday loan is the right loan for you?

No Problem!

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

How to Get a Payday 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 Payday Loan?

Applying for a payday loan with Pachyy is quick and easy. The only information that we need is:

Employment Status

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

Does Pachyy Offer Payday Loans near me?

Get a Payday Loan in

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

We help provide payday loans across 12 US states. Below is a list of the US States that we serve and that you can get a payday loan in. If you are in one of these states, you can apply for a payday loan with Pachyy using our free online application form

FAQ | Frequently Asked Questions

Do You Charge Any Fees?

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.

How Much Can I Borrow with Pachyy?

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.

How Soon Can I Receive My Funds?

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.

What is the Eligibility Criteria?

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.

Do You Offer Loans for Bad Credit?

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.

How Long Does it Take to Apply with Pachyy?

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.

Will Requesting a Loan Affect My Credit Score?

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.

How Do Your Loan Repayments Work?

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.

What is The Minimum and Maximum Amount I Can Borrow?

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.

I Need Money Now - Can Pachyy Help?

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.