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.

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

Payoff Debt Consolidation

Payoff Debt Consolidation Loan

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.

APR

5.99%–24.99%

Amount

$5000–$40000

Term

24–60 mo

Approval

2-4 business days

Check eligibility →

You'll be redirected to payoff.com

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)

Check if you qualify →

You'll be redirected to payoff.com

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SoFi Debt Consolidation

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7.74%–35.49% APR 5000–100000 24–84 months

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Marcus by Goldman Sachs Debt Consolidation

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Marcus stands out for its true no-fee structure — no origination fee, no prepayment penalty, no late fees on first missed payment. Backed by Goldman Sachs.

6.99%–24.99% APR 3500–40000 36–72 months

Borrowers with good credit who want a truly fee-free debt consolidation loan

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Borrowers seeking flexible repayment terms from a proven lending platform.

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