PAYOFF Personal Loans

Payoff is one of the best known companies that provides personal loans to people who need cash. On this website you can learn about the characteristics of PayOff and thus be able to request a personal loan online. In today’s world, the internet allowed thousands of personal loan companies to offer their financial services online.

PayOff offers you a personal loan tailored to you with the lowest interest rates on the market and minimum requirements. You should keep in mind that the amount of money that you will be lent will be related to the amount of money from your annual income and also from your credit history. The better history and income, the more money they will lend you and you can repay it in comfortable monthly installments.


The first step to financial wellness is taking control of your credit card debt. The Payoff Loan gives you the power to reduce multiple high-interest payments into one low-rate monthly payment.


Check your rate in as little as 3 minutes.

1- Check Your Rate
There are no application fees or commitments, and it does not impact your credit score.

2- Choose Your Terms
Select the offer that works best for you and finish your application.

3- Verify Your Info
Review your terms, verify your information and eSign your loan documents. Find out what you need to get approved.

4- Receive Your Funds
Your funds to pay off your credit card balances will be electronically deposited into your account.


Better Than Credit
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 40+ points.*

Personal Service
Talk to the friendly and helpful people in our Tustin, CA office.

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.

What is the Payoff Loan?

The Payoff Loan is a personal loan between $5,000 and $35,000 designed to eliminate or lower your credit card balances. The Payoff Loan is designed to allow you to take control of your finances and pay your credit cards off faster. This is made possible by consolidating your high-interest card balances into one monthly payment at a fixed rate and term.

Will checking my rate for the Payoff Loan affect my credit?

Checking your Payoff Loan rate will not hurt your credit. Right before you finalize your Payoff Loan, we run a hard inquiry, which can impact your credit. But good news, our Members see an average FICO Score increase of 40 points*.

What is the approval criteria for the Payoff Loan?

We’re transparent about our approval criteria, and we encourage you to review the main approval factors here before you submit your application.

Payoff works with Lending PartnersLink out who originate loans. Individual borrowers must be at least 18 years old and have a valid social security number and a valid checking account. All loans are subject to credit review and approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage, credit history, and state of residence. Currently loans are not offered in: MA, MS, NE, NV, and WV. Our mailing address is: Payoff, Inc., 1700 Flight Way, Tustin, CA 92782.

Payoff offers fixed rates between 5.99% APR and 24.99% APR for loan amounts from $5,000 to $35,000. Minimum rate for loan amounts above $15,000 is 6.99% APR. Minimum loan amount and APR may vary in certain states. Please see our Rates and Terms page for specific details.

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