Lower rates than your credit cards and terms lasting just a few years.
A single, fixed, and affordable monthly payment to simplify your life.
Talk to the friendly and helpful people in our Costa Mesa, CA office.
Paying off your credit cards can help increase your credit score by 40+ points.*
Get a free FICO® Score update every month to track your improvements.
With the scientifically backed Payoff Payoff Personality Assessment, you can discover more about how your personality impacts your financial decisions.
Payoff is here for you. We build personal products that empower you to save and spend smarter so you can achieve your financial dreams.
As featured in NerdWallet’s “Best Credit Card Consolidation Loans”
“My favorite part about working with the people at Payoff is that they take a real human interest in their customers.”
*Based on a study of Payoff Members between March 2016 and July 2016. 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 two months of receiving a 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 2% 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 $15,000 at 12% APR will have a monthly payment of $395.01 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