I would give PayOff zero stars but they have great customer service. I provided PayOff my bank statements by linking my account and a job offer letter in lieu of a most recent paystub since I was starting a new position. Those did not suffice, so I had to send a pdf of one of my most recent bank statement, and wait until I got my first paystub for verification. I had to speak with customer service about verifying my start date even though the offer letter specifically stated my start date. PayOff claims you'll hear an answer from them within 3-5 business days but after the 6th business day of no contact, I called PayOff and told them to withdraw my application. I found a much better lender with an even lower APR. I spent a total of 2 minutes completing my application on their website and within 4 hours, I was approved. Find a better lender if you can.

I applied through credit karma, was contacted via email in 30 minutes, had the needed documents on hands, spoke with a verification Rep(Jenette), and had my loan approved before bed.

They need to get their act together. I never received the loan because of a glitch in their site software. I was suspended in limbo for a couple of weeks while they said 3 to 5 days. I call customer service and tried their chat app. There response was to generate a trouble ticket to the engineers to fix the error. That gave me zero confidence that they could administer a account so I asked the to delete my application and all personal data.

I have tried multiple offers on Credit karma to consolidate my CC debt. All were highly likely to get but they turned me down. Payoff not only quoted me an offer, got me the offer and lower APR than they quoted. Fast turn around and now my CC's are paid off and I can focus on just one payment a month.

Inviting people to apply for a loan and chase them daily but finally rejecting the loan saying "No assurance of repayment". Not sure who has to give assurance for repayment. A good credit score of 730+ is not enough for them to give loan then they should not reach out to people.

easy application and payment process. online chat makes getting answers easily. easy online portal to navigate. been with them for 1 year.

Nightmare experience!

This was quick and easy to apply. The only thing I didn't like was a loan originating fee in which I was charged.

Terrible customer support. Very fake helpful, if that makes sense. I paid this loan off quickly to be done with their foolishness.

Long difficult application process. Wouldn’t tell me what addition documents i needed via chat. The rate changed 3 times. The offer i clicked on was not the offer that was given. The offer changed again halfway through the process and ended up being just as high as other offers from companies with an easier application process. i ended up pulling my application.