Payoff My Loan – Pre-approved for Payoff Offer

Consumers that received an invitation to apply for a personal loan from online lender Payoff can visit their application website to get started.  Loans are granted in the range from $5,000 to $35,000 and applicants can first check to see what they’re APR will be before actually applying.

If you like the APR then you can continue on with the application process.

Enter Payoff Invitation Code

There is a 4 step process from start to finish that you will follow:

Check Rate

Enter your 10 digit invitation code

Click the red Check My Rate button

**Understand that checking your rate does not affect your credit score

Choose Your Terms

You will have term options to choose from along with repayment terms based on your annual percentage rate and loan term.

Verify Your Information

Review your term decision including all info

eSign your loan documents

Receive your funds electronically deposited into your account

***Consumers that perhaps did not receive a pre-approval invitation to apply for a Payoff loan can still apply.  There is an option on the application homepage that you can select “I don’t have a code.” 

What is Payoff?

Payoff is an online lender that has a small network of lending partners that originate loans.  Here is a list of lenders they work with:


First Electronic Bank

First Tech Federal Credit Union

TechCU Technology Credit Union

Payoff loans are geared towards getting consumers out of credit card debt faster.  By getting approved for a loan at you can eliminate your credit card debt which does the following:

Stop paying high interest rates to credit card companies 

Immediately begin saving money via lower APR

Simplify your payments

Get out of debt faster

Increase your credit score

Payoff Loan Highlights

If you’re considering going the Payoff route here are some other benefits that a Payoff consolidation loan can offer you:

Between $5,000 and $35,000

Lower rates than most credit cards

Customizable loan terms

Single, fixed, and affordable monthly payment

Fast application – takes a few minutes to check your rate

Specifically designed to help you eliminate high interest credit card debt

APR 5.99% – 24.99%

Loan terms 24-60 months

No application fees

No prepayment penalties or fees

No late fees

No annual fees


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