Leave credit cards behind with the Payoff® Loan.
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.
All it takes is a few minutes to check your rate online.
Our loans are specifically designed to help you eliminate high-interest credit card debt.
$5,000 - $40,000
5.99% - 24.99%
24 - 60 months
“My favorite part about working with the people at Payoff is that they take a real human interest in their customers.”
Check your rate in as little as 3 minutes.
There are no application fees or commitments, and it does not impact your credit score.
Select the offer that works best for you and finish your application.
Review your terms, verify your information and eSign your loan documents.
Your funds to pay off your credit card balances will be electronically deposited into your account.
Check your rate in as little as 3 minutes.
Checking your rate won't hurt your credit score.
* Pre-Approved credit offer: You received this offer because you meet certain initial creditworthiness criteria of our lending partners. If your application information differs from the information used for the pre-approval, or you are unable to meet the full credit requirements, your application will not be approved. All loans are subject to credit review and approval by our lending partners. Your actual rate depends upon credit score, loan amount, loan term, credit usage, credit history and state of residence, among other things. Not all applicants will qualify for a loan or an amount needed to pay off their entire credit card debt balance. This is a limited time offer and is not transferable. There is $0.00 down payment or advanced fee required.
†† 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.
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