Leave credit card debt in the past. Get that debt-free feeling.

The Payoff Loan™ – A personal loan to pay off credit cards

You’re pre-approved for $5,000 to $40,000 and a fixed rate as low as 5.99% 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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    Enjoy a single, fixed payment with a set paid-off date.

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

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    Potentially boost your FICO® score by up to 40+ points.††

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

Bankrate 4.6 out of 5 rating
Better Business Bureau A+ rating
Credible 4.6 out of 5 rating
Lendingtree 4.6 out of 5 rating
Nerdwallet 4.5 out of 5 rating
Trustpilot 4.6 out of 5 rating

Our Rates & Terms‡


$5,000 - $40,000


5.99% - 24.99%

APR includes 0% - 5% Origination Fee.†


24 - 60 months


No Application Fees


No Late Fees


No Prepayment Penalties or Fees


No Annual Fees

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


    Check your rate

  • Calendar


    Choose your terms

  • Magnify Glass


    Verify your info

  • Money with Wings


    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 Payoff Loan experience.

“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.”

Hyung L.

Happy Money Member, Hyung L.
“It was just so easy to use and just really transparent.”

Zachary R.

Happy Money Member, Zachary R.
“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.”

Tai H.

Happy Money Member, Tai H.
“It is amazing to see just one bill from Payoff rather than 4-5 bills from various credit card companies.”

Jimmy S.

Happy Money Member,  Jimmy S.
“Payoff helped me by getting rid of almost ALL of my debt!”

Liz D.

Happy Money Member,  Liz D.

Let’s fund your happy

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