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

The Payoff Loan Logo

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*

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Credible 4.5 out of 5 rating

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.††

Check my rate

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

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New name, new look and more ways to fund your happy.

“The Payoff Loan 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

Best Personal Loans of February 2022


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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

View rates and terms

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

Check my rate

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.

“The Payoff Loan helped me get on track again; it got me on stable ground.”

Rupinder M.

Happy Money Member, Rupinder M.

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

Gia B.

Happy Money Member, Gia B.
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Let’s fund your happy

Check my rate

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