Card Offer from our partner

Partner Offer



Credit Needed
Excellent Credit
  • Specifically designed to help you pay off credit card balances
  • Check your rate for free without hurting your credit
  • Loan paired with tools, tips and education that help you pay off balances and stay out of debt.
  • Payoff helps customers refinance and pay off balances of $5,000 to $25,000.
  • Full transparency and lower fixed rates ranging from 8% APR to 22% APR. No teaser marketing rates or hidden fees.
  • Payoff Member Advocates provide clarity and helpful information during the application process. They continue to support you as a resource during the life of your loan
  • Unique 24, 36, 48, 60 Month loan options let you customize your payoff plan

at Payoff's
secure site

  • Purchases Intro APR
    Balance Transfers Intro APR
    Regular APR
    Annual Fee
    Credit Needed
    Excellent Credit

Payoff - Staff Review

Apply for The Payoff Loan™ by filling out a secure online application.

Payoff – The Payoff Loan™

This additional information has been provided by PayOff.

  • Loans designed specifically to help you pay off your credit card balances
  • Refinance between $5,000 and $25,000 in 2 to 5 years
  • Lower fixed rates between 8% APR and 22% APR
  • Dedicated to full transparency: no teaser marketing rates or hidden fees
  • Provides you with additional tools, tips and training to help you stay out of debt and save money
  • The Payoff Member Advocates are there to support you with clear and helpful information during the application process and beyond. You can tell they actually care about you and your success.

Payoff is a financial empowerment company focused on helping people eliminate their high-interest credit card balances. The Payoff Loan™ refinances your credit card balances at a lower, fixed rate so you can pay them off faster and save a significant amount of money.

The Payoff purpose is to be your refreshingly human option in financial services and ultimately, help you achieve your dreams. Their Member Experience Team is the face of that purpose. They are helpful, caring, knowledgeable and always supportive of you and your goals.

The Payoff Loan™ Details

  • Loan amounts between $5,000 and $25,000
  • Terms between 2 and 5 years
  • No application fees, prepayment fees, late fees, check processing fees or annual fees
  • An origination fee, called the Payoff Platform fee, covers servicing the loan. The Payoff Platform fee ranges from 2% to 5% and is based on the length of your loan.

The Payoff Loan™ Requirements

To qualify for a Payoff Loan™, you must have the following:

  • A FICO score of 660 or higher
  • A debt-to-income ratio (unsecured) less than or equal to 50%
  • At least 2 years of credit
  • At least 2 open and satisfactory trades
  • No more than one installment loan within the last 12 months
  • No current delinquencies, and no delinquencies greater than 90 days within the last 12 months

Payoff Lift and Payoff Science

Transparency is a pillar of Payoff. So if you don’t meet the above requirements, Payoff outlines for you the reasons why. You’re then invited to utilize Payoff Lift, a free financial transformation program designed to help you improve your credit knowledge, save money, make more money and, overall, feel better about your finances.

All innovations at Payoff are driven by its members and scientific research. Their Financial Personality Quiz was designed by Dr. Galen Buckwalter, the mind behind eHarmony’s revolutionary love questionnaire, and now Payoff’s Chief Science Officer. The Payoff Science Team has taken this same approach to finance by focusing on you and your personality, not simply dollars and cents, resulting in personalized insights about how your personality affects your finances and your life.

Closing Thoughts About Payoff

Payoff is truly dedicated to their members’ success. If you’re interested in saving time and money by eliminating your credit card balances and getting financial insights and guidance while you do it — Payoff is a great option for you.




All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.