One loan to pay off your credit cards.

Roll your credit card balances into one loan with a 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

Example only. Your rate depends on your credit profile.

$7B+

in loans funded

350K+

customers helped

4.7

Trustpilot · 884 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 — a fixed payment, a rate that can lower your interest, and 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 5 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