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Say Goodbye to Credit Card Debt

And get a $100 Gift Card when your Payoff® Loan funds1

You're pre-qualified for $5,000 to $40,000 and a fixed rate as low as 12.45% APR.‡

Please enter your ten digit offer code

Checking your rate won't hurt your credit score.

As Seen On

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Benefits of The Payoff Loan™

Better Than Credit Cards

Lower rates than many credit cards and customizable loan terms.§‡

Simple and Easy

A single, fixed, and affordable monthly payment to simplify your life.

Credit Boost

Paying off your credit cards can help increase your credit score by up to 40+ points.††

Personal Service

Our team is here, ready to help you along your journey of paying off your credit cards.

Fast Application

All it takes is a few minutes to check your rate online.

Focused on Credit Cards

Our loans are specifically designed to help you eliminate high-interest credit card debt.
Check my rate

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

Our Rates & Terms

Loans From

$5,000 - $40,000


11.72% - 17.99%

APR includes 1.5% - 5.5% Origination Fee


24 - 60 months

  • No Application Fees
  • No Prepayment Penalties or Fees
  • No Late Fees
  • No Annual Fees

What Our Members Are Saying

Lending Tree

5 / 5 STARS ON Lending Tree

Credit Karma

4.7 / 5 STARS ON Credit Karma

"My favorite part about working with the people at Happy Money is that they take a real human interest in their customers."


A Simple Application Process

Check your rate in as little as 3 minutes.


Check Your Rate

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


Choose Your Terms

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


Verify Your Info

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


Receive Your Funds

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

Check my rate

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