Leave Credit Cards Behind

Move forward with a fixed-rate loan from Payoff.

I don't have a code • I’ve already started
As Seen On

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 40+ points.*

Personal Service

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

Fast Application

All it takes is a few minutes to check your rate online.

Focused on Credit Cards

Our loans are specifically designed to help you eliminate high-interest credit card debt.

Check My Rate

Our Rates & Terms

Loans From

$5,000 - $40,000

APR

5.99% - 24.99%

APR includes 0% - 5% Origination Fee†
Terms††

24 - 60 months

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

What Our Members Are Saying

5 / 5 Stars on Lending Tree
4.7 / 5 Stars on Credit Karma

“My favorite part about working with the people at Payoff is that they take a real human interest in their customers.”

JEREMY H, PAYOFF MEMBER

A Simple Application Process

Check your rate in as little as 3 minutes.

01

Check Your Rate

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

02

Choose Your Terms

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

03

Verify Your Info

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

04

Receive Your Funds

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

Ready to Get Started?

Check your rate in as little as 3 minutes.

Check My Rate

Checking your rate won't hurt your credit score.

* Based on a study of Payoff Members between February 2019 and August 2019. 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.

** Pre-approved Credit Offer: You received this offer because you meet Payoff's initial creditworthiness criteria. If your application information differs from the information used during our pre-approval or you are unable to meet our full credit eligibility criteria, we may not be able to approve your application.

† Origination Fee: We’ve simplified the true loan cost by combining the origination fee/closing fee and the maintenance fee into one. This fee ranges between 0% and 5% based on the amount you request and length of the loan, and covers all of our services. This fee is the full difference between the interest rate and the effective APR. This one-time fee is deducted from your requested amount at the time your loan is issued.

†† Your repayment terms will depend on your APR and loan term. Example: A loan of $16,000 at 10.99% APR will have a monthly payment of $407 for 48 months.

You can choose to stop receiving “prescreened” offers of credit from Payoff and other companies by calling 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE below for more information about prescreened offers.

PRESCREEN & OPT OUT NOTICE

This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from Payoff and other companies, call the consumer credit reporting agencies at 1-888-567-8688 or visit the website at www.optoutprescreen.com ; or write to them at TransUnion PO Box 505, Woodlyn, PA 19094-0505; Equifax, PO Box 740123, Atlanta, GA 30374; Experian, PO Box 919, Allen, TX 75013; Innovis Consumer Assistance, PO Box 495, Pittsburgh, PA 15230