Modern humanity is increasingly switching to Internet services, whether they are purchases, delivery, consultations or financial assistance. Online loans competed well with standard banking products. Creditors offer a high speed of application consideration and more loyal requirements for potential borrowers. One of the trusted sites with high customer ratings is Payoff.

Loans for ANY NEEDS
APR from 4.99%

Table of Contents:

Payoff reviews

What do you need to know about Payoff?

Top-rated Personal Loan lenders similar to Payoff

Payoff

Payday Loans USA Online

Lend you

Credible

Check into cash

Avant

What do you need to know about Payoff?

Pros
  • APR is in the range of 5.99% -24.99%. The higher the credit rating of the prospective borrower, the lower the interest rate the system bids. It is also one of the lowest prices in the country. 
  • You can get an online loan of up to $ 35,000 in one business day. 
  • The site does not charge for processing the questionnaire or calculating the tariff, regardless of the decision for each case. 
  • The company does not impose penalties for early repayment of a loan or the formation of debts. But you need to remember that any debt much spoils the credit history.
Cons
  • An application cannot be submitted without specifying an SSN. 
  • The system does not offer loans with guarantors. 
  • From the approved loan amount, the company deducts commission fees in the range of 0% - 5% of the loan amount. This commission also depends on the credit rating of the user, as well as APR and is deducted immediately when crediting money to the client's account. 
  • In order to receive approval, the client's income must exceed debt obligations by at least 50%.

In general, the company has earned a good rating among experts and customers. On the site, it is easy to find the necessary conditions and requirements for borrowers. Also, technical support is always quick to answer questions. And the preliminary calculation of the tariff is still very accurate

Payoff reviews

The brand is not a direct lender and deals with the support of First Electronic Bank, Alliance Credit Union, First Technical Federal Credit Union and Technological Credit Union. Borrowers can request money for only one purpose - to consolidate credit card debt. The biggest payoff Personal loan is $ 35,000. The inferior limit is $ 5,000.

To get approval for a loan, a potential client must be a US citizen or have a residence permit. The minimum age is 18 years. Credit history should be at least 3 years. The borrower must have at least 640 credit rating points. The company offers the following loan terms: 24, 36, 48 or 60 months.

For a preliminary calculation of available limits, terms and interest rates, the site user should fill out a simple questionnaire. After providing personal information and a soft check of solvency, which does not affect the further credit rating, you can access the Payoff calculator. This function allows you to determine the available rates. Service users declare that preliminary tariff rates rarely vary from real ones.

Top-rated Personal Loan lenders similar to Payoff

Payoff

Payoff offers Personal Loans, Installment Loans, Debt Consolidation Loans and other money products at affordable rates and terms.

  • MIN Loan Amount: $5000
  • MAX Loan Amount: $35000
  • Terms: 2 - 5 years
  • Rates and fees: 5.99% - 24.99% APR
  • Turnaround Time: 1 business day
  • Personal Loans
  • Installment Loans
  • Credit Cards
  • Debt Consolidation Loans
  • Be a US citizen or have a residence permit.
  • The minimum age is 18 years.
  • Credit history should be at least 3 years.
  • The borrower must have at least 640 credit rating points.
Pros
  • APR starting at 4.99%. 
  • Online loans of up to $ 35,000 in one business day. 
  • No additional fees for processing the loan. 
  • No early repayment penalties.
Cons
  •  An application cannot be submitted without specifying an SSN. 
  • The system does not offer loans with guarantors. 
  • Commission fees in the range of 0% - 5% of the loan amount. 
  • Your income must exceed debt obligations by at least 50%.

 

 

Payday Loans USA Online

This service processes 80% of orders within one business day. The most prolonged waiting period is five days. At the same time, the reserved interest rate never changes. Money can be received for any purpose, including paying for purchases or bills, covering credit card debt. No deposit required. Debt can be returned at any time without additional commission.

PaydayloansUSA.online offers Payday Loans, Installment Loans, Personal Loans and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Vary by state.
  • Rates and fees: 4.99% to 1386% APR
  • Turnaround Time: 1 business day
  • Payday Loans
  • Installment Loans
  • Personal Loans
  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
Pros
  • Quick - no driving, waiting, faxing, paperwork.
  • More than 300 direct lenders.
  • High approval rate even for bad credit Payday Loans.
  • Online Payday cash advance with no collateral.
  • 24 / 7 online service.
  • No hard credit check Payday Loans.
Cons
  • High interest rates.
  • Available not in all the states.
  • Not many financial products offered.

 

 

Lend you

The platform bids short-dated loans ranging from $ 500 to $ 2,500. To become a client of the company, you must earn at least $ 1,000 per month. A soft credit rating check does not affect the borrower's credit history in the future, even in the event of failure. Military personnel cannot apply for the money.

LendYou will help you get the cash you need when you need it. You can apply for Payday Loans, Installment Loans or Personal Loans, etc. Compare the lenders and get matched with the best one.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Varied
  • Rates and fees: Starting at 4.99% APR
  • Turnaround Time: 1 business day
  • $100 - $1000 Payday Loans
  • $1000 - $5000 Installment Loans
  • $5000 - $35000 Personal Loans
  • 18 years of age or older
  • U.S. citizenship
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
Pros
  • High up to $15,000 loan amounts. 
  • Minimal restrictions on how you can use your loan.
  • No collateral or guarantor.
  • Bad credit is OK. 
Cons
  • It's not a direct lender, so you'll need to clarify rates and terms with the company you are matched with. 

 

 

Credible

The site offers some of the lowest APRs in the industry. Among the loan products are refinancing student loans and money for other purposes. If the client does not have enough credit rating, he or she can invite a guarantor. Moreover, order processing takes a lot of time and often requires sending the same documents to different employees. By the end of the process, the declared tariff rate may change. But it will still be below the market average.

Credible offers Personal Loans, Student Loans, Mortgages, Credit Cards and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $1000
  • MAX Loan Amount: $100000
  • Terms: Vary by state.
  • Rates and fees: starting at 4.99% APR
  • Turnaround Time: 1 business day
  • Personal Loans
  • Student Loans
  • Student Loan refinancing
  • Mortgages
  • Mortgage refinancing
  • Credit Cards
  • Credit score of 640+
  • An active checking account 
  • US residence
Pros
  • Apply once to get access to multiple lenders
  • Quick funding within 1 -2 business days
  • No additional fees
Cons
  • Not many lenders to choose from
  • Not always available for bad credit
  • Sometimes lenders may charge fees to borrow

 

 

Check into cash

On the site, you can apply for payday loans, personal loans or title loans. Among the additional services, customers will find Western Union money transfers, the ability to cash checks and use the PayPay secure payment system. For maximum functionality, borrowers pay high APRs of around 36% or sometimes higher.

Check Into Cash offers Payday Loans, Title Loans, Personal Installment Loans and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $50
  • MAX Loan Amount: $3000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day
  • Payday Loans
  • Online Payday Loans
  • Title Loans
  • Installment Loans
  • Online Installment Loans
  • Line of Credit
  • Flex Loans
  • Other Services
  • Check Cashing
  • Bill Pay
  • Western Union 
  • U.S. Money Card
  • Cell Phone Top-Ups
  • Sell Us Your Gift Cards For Cash
  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • 21+ years old (19+ in Alabama)
  • Social Security number (for Indiana residents only)
Pros
  • You can get even as low as $50.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
Cons
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.

 

 

Avant

The company offers loans in the range of 2000-35000 dollars. Most customers receive the approved amount to their bank account the next business day. The interest rate varies from 9.95% to 35.99%. Low credit users have a good chance of approving a loan. It is enough to score 580 points. But at the first appeal, there is a limit of 300-1000 dollars.

Avant offers Personal Installment Loans, Credit Cards and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $2000
  • MAX Loan Amount: $35000
  • Terms: Vary by state.
  • Rates and fees: 9.95% to 35.99% APR
  • Turnaround Time: 1 - 2 business day

Personal Loans

Credit Cards

  • U.S. resident with Social Security Number
  • At least 18 years old
  • Minimum credit score of 580.
  • At least $20,000 in gross annual income.
Pros
  • Low minimum credit score.
  • Refinancing option.
  • Flexible payment options.
Cons
  • No co-sign or secured loan option.
  • Does not offer direct payment to creditors for debt consolidation loans.

 

 

Bottom line

When choosing a credit company for a quick loan, you should pay attention to the overall rating and user comments. The Payoff is excellent if a customer needs to pay off credit card debt to his or her bank. For this purpose, it is hard-to-get a web-project suggesting reduced interest rates. If the meaning of financial support is dissimilar, they should regard other projects from today's guide.