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

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

Check your rate

Choose your terms

Verify your info

Receive your funds

Pay off credit card debt with The Payoff Loan™. Reduce stress and save with personal loans between $5,000-$40,000 with rates as low as 8.99%% APR built for you.

Personal Loan To Pay Off Credit Card Debt - Happy Money

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

Simple

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

Save

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

Boost

Paying off credit cards is one of the best ways you can make sure you won’t be stressed about money. As an added bonus, you’ll be saving on interest along the way.

Instead of operating on someone else’s timeline, you get to choose your terms, pay off date, and monthly payment. With us, you’re in control of your own money.

Our Member Advocates are here to help you succeed. No more hour-long waits or chatbots that get you nowhere - you’ll be speaking to real people who really care.

Finances can be overwhelming. We’re here to help.

The Payoff Loan is a personal loan between $5,000 and $40,000 designed to help you eliminate or lower your credit card balances.‡‡ We’ve built The Payoff Loan to give you control of your finances and pay your credit cards off faster by consolidating your high-interest card balances into one monthly payment at a fixed rate and term of your choosing.

Don’t worry, checking your rate will not hurt your credit.* However, before you finalize your Payoff Loan, we will run a hard inquiry, which can impact your credit score. Luckily, our Members see an average FICO Score increase of 40 points after making their first few payments!††

We’re proud to be transparent about our approval process, and we encourage you to review the main requirements <a href="/getting-approved">here</a> before you submit your application.

The Payoff Loan™ – funding your happiness

If you prefer to read, dive into our always-growing library of support articles. When you need to talk to someone, we have a world-class support team at your fingertips. They keep it helpful, friendly, and confidential seven days a week.

Designed to help boost your FICO score††

We keep it transparent: an origination fee is charged when your loan is issued, and that’s it.† If that sounds intimidating, don’t stress: the origination fees range from 0% and 5%, and there’s no hidden charges.

Our online Member Portal allows you to monitor payments, track your progress, and directly contact our support team. Think of it like a one-stop-shop for all of your Payoff Loan needs.

We’re excited to help you fund your happiness, but please note that while most money is transferred to your bank account within 3-6 business days, Direct Card Payoff can take additional time.

We take a look at your credit, income, and savings to determine your Payoff plan options. No consequences or commitments.

We’ll show you multiple options including the lowest monthly payment, best rate, and quickest way to pay off.

We finalize all the legal documents and verify your information before dropping the money into your account, or paying the credit card company directly.

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

Pay off credit card debt with The Payoff Loan™. Reduce stress and save with personal loans between $5,000-$40,000 with rates as low as 8.99% APR built for you.

With a single, fixed payment and a set paid-off date, a Payoff Loan streamlines paying off credit card debt.

Paying off your credit cards with a Payoff Loan can save you thousands of dollars thanks to low interest rates.

By paying off debt with the Payoff Loan, some members have increased their FICO score by up to 40+ points.††

A personal loan to pay off credit cards

How the Payoff Loan works

Personal loans made personal

Let’s fund your happy