THE PAYOFF LOAN™

Member Benefits

When you get a Payoff Loan™, you become a member in a community that goes Beyond Money™.




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 Monthly 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.



Job Loss and Career Support

We understand things happen. If you lose your job, just let us know. We’ll work with you on your payments, and give you access to our team of recruiters to review your resume, help you find a new job and give you interviewing advice.



Direct Card Payoff

Other online companies and banks require you to upload all of your bank statements and income documentation to get your loan. We provide you the option to simply link your bank account to help us verify these items.



Empowerment Science

Our Science Team is led by the former Chief Scientist of eHarmony, Dr. J. Galen Buckwalter, and they’re dedicated to helping our Members better understand themselves and improve their relationship with money through our scientific personality, stress, and cash flow assessments.



Member Experience Advocates

Our Member Experience Team isn’t in some remote call center but are front-and-center in our office. From calls (or email and chat, if you prefer) to handwritten notes, they’re committed to your success and creating a personal experience.


* 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.