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Say goodbye to credit card debt!

Personal loans with your best interests at heart.

You’re pre-approved for $5,000 to $40,000 and a fixed rate as low as 8.95% APR.‡

Please enter your ten digit offer code

Checking your rate is free and won’t impact your credit score*

Why Happy Money?

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    Simple

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

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    Save

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

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    Boost

    Potentially boost your credit score when you pay off debt.††

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Checking your rate is free and won’t impact your credit score*

Best personal loans for credit card debt consolidation

Our Rates & Terms

LOANS FROM‡

$5,000 - $40,000

APR‡

8.95% - 29.99%

APR includes .25% - 10% Origination Fee.

TERMS**

24 - 60 months

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No Application Fees

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No Late Fees

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No Prepayment Penalties or Fees

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No Annual Fees

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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.‡‡

  • Calculator

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    Check your rate

  • Calendar

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    Choose your terms

  • Magnify Glass

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    Verify your info

  • Money with Wings

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    Receive your funds

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Checking your rate is free and won’t impact your credit score*

Personal loans made personal

See what our members have to say about their Happy Money lending experience.

Happy Money Member, Hyung L.

Hyung L.

“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.”

Tai H.

“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.”

Zachary R.

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

Let’s fund your happy

Check my rate

Checking your rate is free and won’t impact your credit score*