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A Loan to Pay Off
Credit Cards

One Simple Monthly Payment

Increase Your FICO® Score by up to 40+ Points*

Pay Off Your Credit Cards Faster

Checking your rate won't hurt your credit score.*


Your Best Interest at Heart

FICO® Score Boost

You don’t have to cut up your cards or close accounts, and after you pay off your balances with the Payoff Loan™, your credit score can increase by up to 40+ points!*

A Decision That Pays Off

Paying off your credit cards is one of the best investments you can make. With the Payoff Loan™, you may pay less interest, get out of debt sooner and build your savings faster.

Personal Support Along the Way

No matter what part of the process you're in, our Member Experience Team is here, ready to help you along your journey of paying off your credit cards.

We Made the Process Simple

We don't like jumping through hoops anymore than you do. So we made it easy, straightforward and quick to apply.


There are no application fees or commitments, and it does not impact your credit score.

Check Your Rate


Select the offer that works best for you and finish your application.

View Rates and Terms


Review your terms, verify your information and eSign your loan documents.

Learn How to Get Approved


Your funds to pay off your credit card balances will be electronically deposited into your account.

See the Benefits
Check my rate

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

Lending Tree

5 / 5 STARS ON Lending Tree

Credit Karma

4.7 / 5 STARS ON Credit Karma


What Our Members Say

Easy online application. Wonderful, personal service from start to finish. Real people who care about making you comfortable along the way. I cannot say enough about how great this experience and the people at this company were.


Real People. Real Heart.

We're here to help with whatever you need along the way. From calls (or email or chat if you prefer) to personal notes, we’re committed to your success and creating a personal experience.

Have questions? We're here to help.
Check my rate

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