Even A Small Decision Can Payoff

Take the next step by reducing expensive finance charges.

Real People. Real

Payoff is here for you. 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.

Do You Know Your Financial Personality?

You are unique and so are the decisions you make about your money. The free Payoff Financial Personality Quiz empowers you to understand how your personality influences your choices and financial habits, and provides personalized tips and content to help you live your best life.

Take The Free Quiz

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As Seen On

I've had the best experience with Payoff. The application process was really easy...

Ashley L

Proven Security and Trust

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