A personal loan to pay off credit cards

Increase FICO® score by up to 40+ points††

Personal loans between $5,000 - $40,000 ‡

Pay off your credit cards faster

Checking your rate won't hurt your credit score.*




Enjoy a single, fixed payment with a set paid-off date.

Save up to thousands of dollars thanks to low interest rates.

Potentially boost your FICO® score by up to 40+ points.††

Checking your rate won't hurt your credit score.*

How the Payoff Loan works

We don't like jumping through hoops anymore than you do. So we made it easy, straightforward and quick to apply. ‡‡

Check your rate

Choose your terms

Verify your info

Receive your funds 

Checking your rate won't hurt your credit score.*

Personal loans made personal

See what our members have to say about their Payoff Loan™ experience.

Tai H.

Zachary R.

Hyung L.

“There’s a little weight off of my shoulders. I am so happy that this company understands that punishment is not the key to financial prosperity.”

“It was just so easy to use and just really transparent.”

“Getting a loan from Payoff was the best decision I made. My credit score went up and I am paying off the loan much faster than paying off my credit card.”

Let’s fund your happy

‡‡ Happy Money works with Lending Partners who originate loans. Individual borrowers must be at least 18 years old and have a valid social security number and a valid checking account. All loans are subject to credit review and approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage, credit history, and state of residence. Not all applicants may qualify. Currently, loans are not offered in MA and NV. Our mailing address is Happy Money, Inc. DBA Payoff, 1700 Flight Way, Tustin, California 92782.

‡ Happy Money offers fixed rates between 5.99% APR and 24.99% APR for loan amounts from $5,000 to $40,000. The minimum rate for loan amounts above $15,000 is 6.99% APR. The minimum loan amount in NM is $5,100 and in MD is $6,100. The rates depicted are accurate as of October 22, 2021. The minimum loan amount and APR may vary in certain states. Please see https://www.payoff.com/loan/rates-and-fees/ for specific details.

†† 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.

† An origination fee is charged by the lender who funds and issues your loan through our platform. Lenders do not charge any late, bounced check, failed ACH, or other fees. The origination fee is based on your loan amount, term, and credit quality. This one-time fee is deducted from your loan proceeds when your loan is issued.

** Your repayment terms will depend on your interest rate, origination fee, loan amount, and loan term. Example — A loan of $16,000 at 10.99% APR will have a monthly payment of $413 for 48 months.

* Checking your rate generates a soft credit inquiry that is only visible to you. A hard credit inquiry that can affect your credit score appears when your loan is issued.

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