With our fixed rate personal loan, you can raise your credit score, stop paying as much interest and finally achieve financial freedom.
Checking your rate won't hurt your credit score.
Lower rates than most credit cards and customizable loan terms.
A single, fixed, and affordable monthly payment to simplify your life.
Paying off your credit cards can help increase your credit score by 40+ points.*
Talk to the friendly and helpful people in our Costa Mesa, CA office.
Check your rate in as little as 3 minutes.
There are no application fees or commitments, and it does not impact your credit score.
Select the offer that works best for you and finish your application.
Review your terms, verify your information and eSign your loan documents.
Your funds to pay off your credit card balances will be electronically deposited into your account.
I chose payoff because it seemed a great choice to get everything into one easy payment, while lowering my interest rate.
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.
$5,000 - $35,000
8% - 25%
24 - 60 months
A personal loan is money that a person borrows from a lender with the understanding that they will need to pay it back within a specific amount of time. There are two types of personal loans: secured and unsecured.
Secured loans require collateral, such as a car or home. The most common type of secured loans are mortgages, home equity lines of credit and auto loans.
The Payoff Loan is an unsecured, fixed-rate personal loan designed to consolidate your credit cards into one monthly payment.
We believe in transparency. We clearly list out what you need to get approved for a Payoff Loan here.
Checking your rate won't hurt your credit score.
* Based on a study of Payoff Members between August 2017 and February 2018. 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 four months of receiving the Payoff® Loan. Individual results may vary.
† Origination Fee: We’ve simplified the true loan cost by combining the origination fee/closing fee and the maintenance fee into one. This fee ranges between 2% and 5% based on the amount you request and length of the loan, and covers all of our services. This fee is the full difference between the interest rate and the effective APR. This one-time fee is deducted from your requested amount at the time your loan is issued.
†† Your repayment terms will depend on your APR and loan term. Example: A loan of $15,000 at 12% APR will have a monthly payment of $395.01 for 48 months.