It's Time to Pay Off Your Credit Cards, and Celebrate!
As Seen On
Benefits of The Payoff Loan™
Better Than Credit Cards
Lower rates than most 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.
Checking your rate is free and won’t impact your credit score*
Our Rates & Terms‡
Loans From
$5,000 - $40,000
APR
11.52% - 24.81%
APR includes 1.5% - 5% Origination Fee†
Terms**
24 - 60 months
- No Application Fees
- No Prepayment Penalties or Fees
- No Late Fees
- No Annual Fees
What Our Members Are Saying
5 / 5 STARS ON Lending Tree
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."
JEREMY H, HAPPY MONEY MEMBER
A Simple Application Process
Check your rate in as little as 3 minutes.
01
Check Your Rate
There are no application fees or commitments, and it does not impact your credit score.
02
Choose Your Terms
Select the offer that works best for you and finish your application.
03
Verify Your Info
Review your terms, verify your information and eSign your loan documents.
04
Receive Your Funds
Your funds to pay off your credit card balances will be electronically deposited into your account.
Checking your rate is free and won’t impact your credit score*