One loan to pay off your credit cards.

Roll your credit card balances into one loan with one fixed monthly payment and a set payoff date.

Loan Amounts

$5,000 – $50,000

Rates as low as

8.95% APR

Or got an invite code? Enter here

Checking your rate won't impact your credit score.

Your card balance

$20,000

$5,000 $50,000

One monthly payment

$626 /mo

Debt-free by

Interest rate 10.95%

APR % Assumes a 3% origination fee

Estimated total $

$7B+

in loans funded

350K+

customers helped

4.6

Trustpilot · 989 reviews

A+

BBB accredited

As seen in

The Payoff Loan™

A simpler way to pay off
your credit cards

A personal loan built to help you clear high-interest cards faster — one fixed payment, a rate that could lower your interest, and a payoff date that feels achievable.

One fixed monthly payment

Combine multiple card balances into a single loan with one predictable payment.

Fixed APR for the life of the loan

A lower and fixed interest rate

Fixed rates as low as 8.95% APR may help you pay less interest than ongoing card rates.

2 to 7 year terms**

No surprises, no penalties

Checking your rate won’t affect your credit score, and you can pay off early anytime.

No prepayment fees

Three steps to one payment

Step 1

Check your rate

Answer a few questions to see what you may qualify for. Checking won't impact your credit score.

Step 2

Choose your loan option

Compare the amounts, terms, and monthly payments available to you, then pick your best fit.

Step 3

Pay off your cards with one payment

Funds are sent directly to your account, so you can pay down your card balances and consolidate into one payment.

Learn more

Real customers, real payoff

Excellent on Trustpilot

Efficient and seamless process. Very pleased with how quickly I received funds after applying. Everyone I dealt with was courteous and professional.

I was interested in consolidating debt after a divorce and this was easy and helped me to create a plan to become debt free.

From start to finish, the process was smooth, transparent, and stress-free. The team was incredibly professional.

Start Paying off your debt

Trade 20%+ interest for one fixed rate.

The average credit card APR is over 20%. The Payoff Loan™ is one fixed rate, from 8.95% APR, with a clear payoff date instead of slowly chipping away at multiple card balances.

See what you could save How The Payoff Loan works >

Recognized & Trusted

Awards worth mentioning

Best Consumer Lending Company, 2026 & 2025

By FinTech Breakthrough Awards

World's Top Fintech Companies, 2026 & 2025

By CNBC

Best Lender for Paying Down Credit Cards, 2025

By U.S. News & World Report

Best Insurtech Solution (Finalist), 2023

By Finovate Awards