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Instead, the platform offers just a single loan that is for the sole purpose of paying off outstanding credit cards.So now that you know who Payoff is and what they do, in the next section of our review we are going to explore who is eligible to receive a loan.In terms of the length of the loan agreement, this will vary between two and five years.Payoff note that you have the option of choosing the loan term duration, as long as it falls within the parameters of two-to-five years.The debtor is then required to pay Payoff back, as per the terms of the agreement that was offered during the application process.Payoff are not like other, more conventional lenders, insofar that they are not in the business of offering multiple loans.
In response to ever-growing credit card debt levels, Payoff was launched in 2009.
In terms of the APR, this starts from as little as 5.65% (5.99% APR), all the way through to 22.59% (24.99% APR).
The rate that you are offered will depend on a number of factors, such as your current FICO score, your debt-to-income ratio, the size of your outstanding credit card debts, and your annual income. These rates are even higher if you are in possession of a credit card that is tailored towards low-to-medium credit scores.
The amount that you are offered will depend on your credit profile.
As such, you might be offered a lower amount than you originally asked for.