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.
Payoff Debt Consolidation Loan
Updated 1 month agoAPR Range
5.99–24.99%
Amount
$5k–$40k
Term
24–60 months
Type
debt_consolidation
You'll be redirected to payoff.com
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.
Best For
Borrowers with significant credit card debt who want a structured payoff plan
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)
About This Loan
Requirements
- SSN required
- Minimum 640 credit score
- Minimum $2,000 in credit card debt
- No recent bankruptcy
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