How It Works

The first step to financial wellness is taking control of your credit card debt. The Payoff Loan™ gives you the power to reduce multiple high-interest payments into one low-rate monthly payment.

A Loan to Conquer Credit Cards

  • Take Control

    Support from our team in our Costa Mesa, CA office dedicated to your success at every step.

  • FICO® Increase and Score Updates

    Our members see an average FICO® increase of 40 points* and get free monthly score updates.

  • Science and Wellness

    Our Science Team and community are building financial wellness services to empower you beyond your loan.

What Payoff Members Are Saying

"Payoff was the first to offer me what I actually needed, and every step of the way everyone at the Payoff team has gone above and beyond my expectations."

Member jodi k Jodi K. — Payoff Member


"I chose payoff because it seemed a great choice to get everything into one easy payment, while lowering my interest rate."

Member blank Kevin G. — Payoff Member


"I love the culture of your company. It's not just about making money but educating clients on how to plan for the future."

Member blank Kimberly B. — Payoff Member

4.9/5 Stars on Credit Karma
From 34 Member Reviews

* 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.