It's Time for Your Payoff

A loan designed to help you pay off your credit cards and simplify your life.

Products with Purpose

We work as a team to build products that guide and empower you to live your dream.

Personal Care and Support

We want to talk to you. This is about helping you any way we can.

Security and Privacy

Bank-level security. We treat your data as if it were our own and never sell your information.

Our Story

Payoff is here to help you on your journey to achieve your dreams. No matter how you got here, we will help you all along the way. We'll walk with you down any path you choose, adding guidance when you need it. Maybe your path needs you to pay off your credit cards, or maybe it needs inspiration from others' stories. We are here for you. We're not a bank. We're people building personal products with a purpose: helping you achieve your dreams and empowering you to live your best life.

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The Payoff Loan™

Pay off between $5,000 and $25,000 of your credit card balances.

Fast Pay Off

Lower rates than your credit cards and terms lasting just a few years.

Simple and Easy

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

Personal Service

Talk to the friendly and helpful people in our Costa Mesa, CA office.

On Your Side

No application fees, no late fees, and no prepayment fees.

Credit Boost

Paying off your credit cards can help increase your credit score.

I've had the best experience with Payoff. The application process was really easy... When I had questions, my customer service rep was quick to respond and was very nice, patient and helpful. My loan is an extremely affordable rate that is going to save me a lot of money... I strongly recommend Payoff.

Ashley L.

Real People. Real

We are real people in our Costa Mesa, CA headquarters here to guide and empower you. If that means talking through your situation, chatting about how we can help, or just being there to listen, we're here.

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Customer Success

Our bank partner, First Electronic Bank, a Utah-chartered Industrial Bank, Member FDIC

Ready to Get Started?

Imagine life after paying off your credit cards.

Apply Now

Won't affect your credit score