A personal loan to pay off credit cards

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What you get with The Payoff Loan

You already know what your cards cost each month. With one fixed payment and an end date, you could pay less interest and help your credit, too.^††

Simple

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

Save

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

Support

Get help from our team with questions,
next steps and payment options.

We don't like jumping through hoops any more 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

Recognized & Trusted

Best Consumer Lending Company, 2026 & 2025

By FinTech Breakthrough Awards

World's Top Fintech Companies, 2026 & 2025

By CNBC

Best Lender for Paying Down Credit Cards, 2025

By U.S. News & World Report

Best Insurtech Solution (Finalist), 2023

By Finovate Awards

See what our customers have to say about their Happy Money lending experience.

Efficient and seamless process. Very pleased with how quickly I received funds after applying. Everyone I dealt with was courteous and professional.

I was interested in consolidating debt after a divorce and this was easy and helped me to create a plan to become debt free.

From start to finish, the process was smooth, transparent, and stress-free. The team was incredibly professional.