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Payoff is a financial wellness company that applies science, psychology and technology to help our Members reinvent their relationship with money and accelerate their journey toward financial well-being. We focus on the intersection of personality and financial behavior, developing products and services that help our Members achieve their goals.

Our team of financial services professionals, research and clinical psychologists, data scientists, neuroscientists, Member Advocates and technology experts work together to better understand and accelerate our Members’ journey toward financial wellness. is dedicated to customer satisfaction. If you have any questions, comments or suggestions on how we might improve your user experience, please contact us via email or phone, and one of our representatives will get back to you shortly. If you have questions or concerns about the terms of your loan agreement, please contact your lender or lending partner directly.

Credible is a marketplace that allows you to compare financial products from multiple providers side-by-side. Credible is not a lender, a bank or a credit card issuer — we partner with the best financial service providers so that they can provide you with a variety of competitive options, enabling you to find the right financial product for your needs. Best of all, Credible is completely free!

Are you paying more than 20% interest on your credit cards? SoFi Personal Loans could help you save thousands. With low personal loan interest rates and a fixed monthly payment, you can get loans to pay off credit cards, pay off high interest debt, or make a major purchase. It only takes minutes to apply.

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Rates from 4.99% APR

Loan amounts: 1.000$ to 70.000$
APR range: 3,99% to 35,99%
Term: 2 - 7 years
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Rates for personal loans provided by lenders on the Credible platform range between 3.99-35.99% APR with terms from 24 to 84 months.


Personal loans made easy.

Loan amounts: 5.000$ - 100.000$
APR range: 5,99% - 20,91%
Term: 2 - 7 years
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Rates for personal loans provided by lenders on the SoFi platform range between 5.99%-20.91% APR with terms from 24 to 84 months.


Credit Card & Debt Consolidation

Loan amounts: 1.000$ - 50.000$
APR range: 6,53% - 35,99%
Term: 3 - 5 years
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Rates for personal loans provided by lenders on the Upstart platform range between 6.33%-35.99% APR with terms from 36 to 60 months.