You're Pre-Approved!

for $5,000 to $35,000!**

As Seen On

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.

Credit Boost

Paying off your credit cards can help increase your credit score by 40+ points.*

Learn more about How Payoff Works or our Rates and Fees.

Rates & Terms

Loan Amount

$5,000 - $35,000


8% - 25%

APR includes 2%-5% Origination Fee


24 - 60 months

  • No Application Fees
  • No Prepayment Penalties or Fees
  • No Late Fees
  • No Annual Fees

The Payoff Experience

Free monthly FICO® Scores

Get a free FICO® Score update every month to track your improvements.

Personalized Insights

With the scientifically backed Payoff Payoff Personality Assessment, you can discover more about how your personality impacts your financial decisions.

Real people. Real heart.

Payoff is here for you. We build personal products that empower you to save and spend smarter so you can achieve your financial dreams.

What People Are Saying

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.”