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 Tustin, CA office.
$5,000 - $40,000
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 August 2019 and February 2020. Payoff Members, who paid off at least $5,000 in credit card balances, saw an average increase in their credit score of 40 points within four months of receiving a Payoff Loan. Results may vary and are not guaranteed.
‡ The Payoff platform provides loans with fixed rates between 5.99% APR and 24.99% APR for loan amounts from $5,000 to $40,000. Minimum loan amount and APR may vary in certain states. Minimum rate for loan amounts above $15,000 is 6.99% APR. Rates may change at any time. Visit https://www.payoff.com/loan/rates-and-fees/ for specific details. Payoff works with lending partners who originate and issue the loans through the Payoff platform. Information about our lending partners, including their address, financial institution type and charter, as well as links to their websites and privacy policies can be found at www.payoff.com/partners. Individual borrowers must be at least 18 years old, have a valid social security number, and a valid checking account. Loans are not currently offered in: MA, MS, NE and NV.
** Your repayment terms will depend on your interest rate, origination fee, loan amount, and loan term. Example — A loan of $16,000 at 10.99% APR (annual percentage rate) will have a monthly payment of $407 for 48 months.
† Origination Fee: The origination fee is charged by the lender who funds and issues your loan through our platform. The origination fee is to cover the costs of assessing and making your loan. This fee is the only fee that is charged and is in addition to the interest charged on your loan. Lenders do not charge any late, bounced check, failed ACH or other fees. The origination fee ranges between 0% and 5% and is based on your loan amount, term, and credit quality. This one-time fee is deducted from your loan amount at the time your loan is issued.