The creator of Payoff sympathizes with people like me who have become victims of credit card debt and the low credit scores and difficulty getting a reasonable loan rate that comes with it. They've made it possible for people in our situations to get a loan rate that will actually help us and not figuratively slap us in the face, like most personal loan offers.
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Most Helpful Negative Review
Easy process but if you need any customer service, it is nonexistent. Hold times are well over an hour, they take days to respond to emails. You have zero ability to make changes to bank information, if you want to have an auto payment drawn from a different account, you can add the bank information, you need to email customer service. I changed banks and contacted them a week ago and i still haven't heard anything back.
One is better off taking business elsewhere as customer service is important.
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**Annual Percentage Rates, terms of loan, and monthly payments presented are estimated and were created based on analysis of information provided by the consumer and available rate information from lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms presented do not bind any lender. Lenders generally have a range of available APRs (for example, a lender’s range might be 2% to 12%) and only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend upon factors evaluated at the time of application, which may include credit score, loan amount, loan term, vehicle information, credit usage and history. All loans are subject to credit review and approval. Additionally, model year, loan-to-value, minimum loan balance mileage, income, debt, etc. restrictions may apply. When evaluating offers, please review the lender’s Terms and Conditions for additional details.