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**
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.‡‡
Check your rate
Choose your terms
Verify your info
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.
Efficient and seamless process. Very pleased with how quickly I received funds after applying. Everyone I dealt with was courteous and professional.
Sandra
I was interested in consolidating debt after a divorce and this was easy and helped me to create a plan to become debt free.
Sean S.
From start to finish, the process was smooth, transparent, and stress-free. The team was incredibly professional.