A loan to pay off credit cards.

One Simple Monthly Payment

Increase Your FICO® Score by 40+ Points

Pay Off Your Credit Cards Faster

Phone@2x

Your Best Interest at Heart

FICO® Score Boost

You don’t have to cut up your cards or close accounts, and after you pay off your balances with the Payoff® Loan, your credit score can increase by 40+ points!

A Decision That Pays Off

Paying off your credit cards is one of the best investments you can make. With the Payoff® Loan, you may pay less interest, get out of debt sooner and build your savings faster.

Personal Support Along the Way

No matter what part of the process you're in, our Member Experience Team is here in our California office ready to help you along your journey of paying off your credit cards.

* Based on a study of Payoff Members between August 2016 and January 2017. Payoff Members, who paid off at least $5,000 in credit card balances, saw an average increase in their FICO® Score of 40 points within four months of receiving the Payoff® Loan. Individual results may vary.

We Made the Process Simple

We don't like jumping through hoops anymore than you do. So we made it easy, straightforward and quick to apply.

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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.

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What Our Members Say

Easy online application. Wonderful, personal service from start to finish. Real people who care about making you comfortable along the way. I cannot say enough about how great this experience and the people at this company were.

Going to Payoff was the best decision of my life. I have control and can breathe again. The whole process was very easy. I just want to thank the ladies and gentlemen at Payoff for giving me the help and boost I needed.

Payoff is one of the best companies I've ever dealt with in timeliness and communication. I feel that there's someone with me at every step, who is as invested in my success as I am. They are true to their motto of changing the way you view credit debt.

What We're About

Real People. Real Heart.


Our Member Experience Team is front and center in our California office. From calls (or email or chat if you prefer) to personal notes, we’re committed to your success and creating a personal experience.

Have questions? We're here to help.
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