FICO® Score Increase

Our Members who use their Payoff Loan to eliminate at least $5,000 of credit card balances see an average FICO® Score boost of 40 points.*

Free FICO® Score Updates

We provide all of our Payoff Loan Members a free monthly update of their FICO® Score, so you can see your progress and monitor any changes.

Member Experience Team

Our Member Experience Team not only helps you when problems arise, they proactively support you too. With welcome calls and first-year, quarterly check-ins, our Member Advocates are both your partners and your cheerleaders.

Empowerment Science

We're dedicated to helping our Members better understand themselves and improve their relationship with money through our scientific personality, stress, and cash flow assessments.

† † Based on a study of Payoff Members between August 2020 and February 2021. 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.