Payoff offers customizable loan terms that fit your budget.
Checking your rate won't hurt your credit score.
| The Payoff Loan | Credit Cards | |
|---|---|---|
| Focused On Getting You Out Of Debt | ||
| Fixed Monthly Payments | ||
| No Late Payment Fees | ||
| Designed to Help Boost Your FICO Score* |
Lower rates than most credit cards and customizable loan terms.
A single, fixed, and affordable monthly payment to simplify your life.
Paying off your credit cards can help increase your credit score by 40+ points.*
Talk to the friendly and helpful people in our Costa Mesa, CA office.
$5,000 - $35,000
5.99% - 24.99%
24 - 60 months
Check your rate in as little as 3 minutes.
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.
† 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.