FICO® Score

Your FICO® Score summarizes your credit history. We also provide our Payoff Loan Members with their free FICO® Score every month.


or higher


Your credit delinquencies are payments you owe and have not currently paid. If you have any, we suggest resolving these before applying for a Payoff loan.


current delinquencies

Other factors we may consider for your approval:

Debt-to-Income Ratio

Your debt-to-income ratio (DTI) compares how much you owe each month to how much you earn. Specifically, it's the percentage of your gross monthly income (before taxes) that goes towards your monthly payments for housing, credit cards, and other debt.

Age of Credit History

Your age of credit history is the total length of time you've been using credit. This shows your credit maturity starting from your first line of credit.

Open and Satisfactory Trades

Your open and satisfactory trades are the lines of credit on which you've opened and made payments on time.


Your utilization is the ratio between your available credit and the current balances you have on your credit cards.