4 / 5 Stars on Credit Karma
Check My Rate Won't hurt your credit score.

Benefits of a Payoff® Loan

Better Than Credit Cards

Lower rates than your credit cards and terms lasting just a few years.

Simple and Easy

A single, fixed, and affordable monthly payment to simplify your life.

Credit Boost

Paying off your credit cards can help increase your credit score by 40+ points.*

Personal Service

Talk to the friendly and helpful people in our
Costa Mesa, CA office.

Fast Application

All it takes is a few minutes to check your rate online.

Trusted By Our Members

4 out of 5 of our Members would recommend us to their friends.*

How a Payoff® Loan Compares to Credit Cards

Check The Fees

Watch for hidden fees like pre-payment penalities, late payment and returned check fees. Payoff doesn’t have any of these.

Check The Terms

Make sure the length of the loan term works with your schedule. Payoff offers loan terms range between 2-5 years.

Check Your FICO® Score

Some lenders may not pre-approve you if your credit score isn’t high enough. We offer loans for scores of 640 or higher.

Our Rates & Terms

Loans From

$5,000 - $35,000


5.99% - 24.99%

APR includes 0%-5% Origination Fee

24 - 60 months

  • No Application Fees
  • No Prepayment Penalties or Fees
  • No Late Fees
  • No Annual Fees
As featured in NerdWallet's
"Best Credit Card Consolidation Loans"
4 / 5 Stars on Credit Karma

A Simple Application Process

Check your rate in as little as 3 minutes.


Check Your Rate

There are no application fees or commitments, and it does not impact your credit score.


Choose Your Terms

Select the offer that works best for you and finish your application.


Verify Your Info

Review your terms, verify your information and eSign your loan documents.


Receive Your Funds

Your funds to pay off your credit card balances will be electronically deposited into your account.

Check My Rate

Will not affect your credit score!