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A personal loan to pay off credit cards

  • Increase FICO® score by up to 40+ points††

  • Personal loans between $5,000 - $40,000‡

  • Pay off your credit cards faster

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

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Best Personal Loans Of February 2022

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    Simple

    Enjoy a single, fixed payment with a set paid-off date

  • Dollar Sign

    Save

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

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    Boost

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

Check my rate

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

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

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    Check your rate

  • Calendar

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    Choose your terms

  • Magnify Glass

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    Verify your info

  • Money with Wings

    ((4))

    Receive your funds

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

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

Personal loans made personal

See what our members have to say about their Payoff Loan experience.

“Happy Money helped me get out of debt that I never could on my own.”

Gia B.

Happy Money Member, Gia B.

“It is great to see one bill rather than 4-5 bills. And the interest rate is so much more manageable.”

Jimmy S.

Happy Money Member, Jimmy S.

“Happy Money took all my worry and uncertainty about credit card debt off my shoulders and provided one easy place for me to start making significant dents in my debt.”

Misha A.

Happy Money Member, Misha A.

Let’s fund your happy

Check my rate

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