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A personal loan to pay off credit cards

Personal loans between $5,000 - $50,000‡
Rates as low as 8.95% APR‡
Pay off your credit cards faster

Check my rate I HAVE AN INVITE CODE

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

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Simple

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

Save

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

Boost

Potentially boost your FICO®
score by reducing your credit utilization.

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.‡‡

1

Check your rate

2

Choose your terms

3

Verify your info

4

Receive your funds

Personal loans made personal

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.