4.7 / 5 Stars on Credit Karma
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Benefits of a Payoff Loan

Better Than Credit

Lower rates than most credit cards and customizable loan terms.

Simple and Easy

A single, fixed, and affordable monthly payment to simplify your life.

Credit Boost

Paying off your credit cards can help increase your credit score by up to 40+ points.††

Personal Service

Our team is here, ready to help you along your journey of paying off your credit cards.

A Simple Application Process

Check your rate in as little as 3 minutes.


Check Your Rate

There are no application fees or commitments, and it does not impact your credit score.


Choose Your Terms

Select the offer that works best for you and finish your application.


Verify Your Info

Review your terms, verify your information and eSign your loan documents.


Receive Your Funds

Your funds to pay off your credit card balances will be electronically deposited into your account.

What Our Members Are Saying

I chose payoff because it seemed a great choice to get everything into one easy payment, while lowering my interest rate.

Kevin G, Payoff Member

Payoff was the first to offer me what I actually needed, and every step of the way everyone at the Payoff team has gone above and beyond my expectations.

Jodi K, Payoff Member
5 / 5 Stars on Lending Tree
4.7 / 5 Stars on Credit Karma

Our Rates & Terms

Loans From

$5,000 - $40,000


5.99% - 24.99%

APR includes 0% - 5% Origination Fee

24 - 60 months

  • No Application Fees
  • No Prepayment Penalties or Fees
  • No Late Fees
  • No Annual Fees

Common Questions About Personal Loans

What's a personal loan?

A personal loan is money that a person borrows from a lender with the understanding that they will need to pay it back within a specific amount of time. There are two types of personal loans: secured and unsecured.

What's the difference between a secured loan and a Payoff® Loan?

Secured loans require collateral, such as a car or home. The most common type of secured loans are mortgages, home equity lines of credit and auto loans.

The Payoff Loan is an unsecured, fixed-rate personal loan designed to consolidate your credit cards into one monthly payment.

How do I get approved for a Payoff Loan?

We believe in transparency. We clearly list out what you need to get approved for a Payoff Loan here.

Ready to Get Started?

Check your rate in as little as 3 minutes.

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Checking your rate won't hurt your credit score. *