Payoff Debt Consolidation Loan

Purpose-built loans to consolidate and pay off credit card debt, from $5,000 to $40,000.

Last checked on September 4, 2026. We may earn a commission when you click through.

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✓ Built specifically for credit card debt payoff ✓ Direct payment to credit card companies ✓ Free FICO score monitoring
Consolidation Payoff

Payoff Debt Consolidation Loan

Updated 10 days ago

Our Verdict

Payoff is exclusively for credit card debt payoff — they send funds directly to your credit card companies. The FICO score tracking and financial wellness tools are genuine value-adds.

Pros

  • Built specifically for credit card debt payoff
  • Direct payment to credit card companies
  • Free FICO score monitoring
  • Financial wellness tools included

Cons

  • Origination fee 0-5%
  • Only for credit card debt — not other debt types
  • 640+ credit score required
  • Slower funding (2-4 days)

Best For

Borrowers with significant credit card debt who want a structured payoff plan

Overview

Purpose-built loans to consolidate and pay off credit card debt, from $5,000 to $40,000.

Check eligibility →

You'll be redirected to payoff.com

Key Facts

Representative APR

5.99–24.99%

per year

Loan Amount

$5k–$40k

Term

24–60 months

Approval Time

⚡ 2-4 business days

Requirements

  • SSN required
  • Minimum 640 credit score
  • Minimum $2,000 in credit card debt
  • No recent bankruptcy
Apply now →

You'll be redirected to payoff.com

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