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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 $50,000 and a fixed rate as low as 8.95% APR.‡

What you get with The Payoff Loan

You already know what your cards cost each month. With one fixed payment and an end date, you could pay less interest and help your credit, too.

Simple

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

Save

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

Support

Get help from our team
with questions,next steps and payment options.

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

Our Rates & Terms‡

$5,000-$50,000

Loan Amount‡

8.95% - 35.99%

APR‡

24 - 84 months

Terms**

APR includes a 2% - 12% origination fee,† deducted from your loan funds. Nothing to pay upfront.
No application fee. No annual fee. No prepayment penalty. No fee for extra payments.

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.‡‡

1

Check your rate

2

Choose your terms

3

Verify your info

4

Receive your funds

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

Personal loans made personal

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

Kerry M.

March 4, 2025

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

Trustpilot Rating 5 out of 5 stars

Sandra

February 27, 2025

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

Trustpilot Rating 5 out of 5 stars

Sean S.

March 10, 2025

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

Trustpilot Rating 5 out of 5 stars

Let's fund your happy

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