Founded in 2009, Payoff, Inc. focused on improving its members' financial well-being by offering a single, fixed-rate personal loan to eliminate credit card balances. The company integrated psychology and data science into its platform to help users change their financial behaviors and reduce money-related stress. In 2020, its parent and technology platform, Happy Money, consolidated its brands, and the "Payoff Loan" is now offered directly under the Happy Money brand, which continues the original mission of helping people use credit as a tool to achieve financial wellness.

Founded in

United States