Debt Consolidation

Debt Consolidation Loan

DebtMD Rating
★ ★ ★ ★ 4/5

Min. Credit Score
640

APR
5.99% - 24.99%

Monthly Payment ($10,000 loan, 15.49% interest rate, 36 months)
$349

Learn more about debt consolidation loans

Verified partner since 2020

About Payoff

Team of financial services professionals, research and clinical psychologists, data scientists, neuroscientists, Member Advocates and technology experts working together to better understand and accelerate people’s journey toward financial wellness.

Best For People Who

Want to consolidate between $5,000 and $40,000 in credit card debt
Are looking for a fixed, low rate and simplified terms
Want a personal touch to getting out of debt

Qualifications

Possess three years of credit history and two current credit accounts in good standing
Have zero current delinquencies
Reside in any U.S. state besides MA, MS, NE, or NV.

Disclaimers

Payoff works with Lending Partners 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, and NV.

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Conquer debt, and regain your financial freedom

Set up an emergency savings fund

8 common mistakes people make when paying off their debt

Tips to Avoid Credit Card Debt

DO

Use your credit card for making small purchases

Crushing Debt: Debt Consolidation Facts and Myths

Best Debt Consolidation: June 2021