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Payoff
- Finance
- Costa Mesa, CA
About this business
This business offers financial services.
Location details
3200 Park Center Dr, Ste 800, Costa Mesa, CA, 92626, United States
Get directions| Weekday | Schedule | Status |
|---|---|---|
| Mon | 8:00 a.m. to 5:00 p.m. | |
| Tue | 8:00 a.m. to 5:00 p.m. | |
| Wed | 8:00 a.m. to 5:00 p.m. | |
| Thu | 8:00 a.m. to 5:00 p.m. | |
| Fri | 8:00 a.m. to 5:00 p.m. | |
| Sat | Closed | |
| Sun | Closed |
I received the advertisement for Payoff in the mail and I was very happy as I have a credit card account owing 5,100 at 24.9% APR. When I make a payment this company keeps almost half of my payment in interest. It will take forever to pay them off. So, I wanted to use Payoff to pay off my debt to them at a lower APR. Well, reading the terms page of the advertisement I discover that they do not directly pay off my high-interest credit company but instead want to drop the cash they will loan me directly into my bank account. I... read more
Business response:
Thank you for taking the time to submit a review of Payoff. Our pre-approval letter which you received in the mail is the first step to potentially obtaining a Payoff Loan and you received the letter because you met our initial criteria based on limited information in your credit report. Once you express interest in obtaining a Payoff Loan, we gather and consider additional information in our credit decision that we cannot obtain or verify through your credit report, such as your income information. During this review, if we... read more
Absolute waste of time. Don't even bother applying unless you have perfect credit. I received pre approval and spoke with many reps and I was ultimately not approved after wasting several hours because my credit utilization was too high. The sole reason I was applying for this loan was because my credit utilization was too high and they knew that before I even started the loan process. Save yourself your time and giving them all your information. It's ABSOLUTELY not worth it.
Business response:
Payoff, Inc. is in receipt of your BBB review and we appreciate the time you took to bring your concerns to our attention. Our pre-approval letter is the first step to potentially obtaining a Payoff Loan. Once you express interest in obtaining a Payoff Loan, we gather and consider additional information. During this review, if we determine you are unable to meet our full criteria, we are not able to approve your application. To Payoff, our customer’s betterment is of the utmost importance. Only through a thorough underwritin... read more
they sent me a letter offering a loan to pay off credit cards. The letter said i was pre-approved. I went to the website, put in the code and my verifying information, and it said they wouldn't approve me. Total BS to say i'm pre-approved then not approve me. Thanks for wasting my time.
Business response:
Payoff, Inc. is in receipt of your BBB review and we appreciate the time you took to bring your concerns to our attention. Our pre-approval letter is the first step to potentially obtaining a Payoff Loan. Once you express interest in obtaining a Payoff Loan, we gather and consider additional information. During this review, if we determine you are unable to meet our full criteria, we are not able to approve your application. To Payoff, our customer’s betterment is of the utmost importance. Only through a thorough underwritin... read more
This is one of those reviews if I could leave no stars I would. Pay off inc received the full payment of my outstanding balance plus additional funds as it was paid by a title company. The overpayment was close to $3,000 and to this date they have not refunded it to me despite repeated statements from the comapany that they have returned the overpayment. For 3 weeks I have heard repeatedly that the refund was going out in a day or two despite this they have not returned anything. I have worked with other personal lending com... read more
Business response:
Payoff, Inc. is in receipt of your BBB review. We appreciate the time you took to bring the issue you experienced during the loan repayment process to our attention. We take your concerns seriously and appreciate the opportunity to respond fully to them. We have investigated the matters raised in your review and are pleased to confirm that the referenced funds have been returned to you. Thank you for taking the time to share your feedback with us.
Liars. They send you pre approved notices then deny you after you go through their application process. Never use them.
Business response:
Payoff, Inc. is in receipt of your BBB review and we appreciate the time you took to bring the issue you experienced during the loan application process to our attention. We take your concerns seriously and appreciate the opportunity to respond fully to them. We understand that your concern arose because your loan application was declined. We also understand that you received a letter in the mail indicating you were pre-approved for a Payoff loan. In that regard, please refer to the language contained in the pre-approval le... read more
I applied for a loan with Payoff after being rejected by several other banks and organizations. I was approved immediately, asked to submit additional paperwork, and had my funds 9 days later. The Payoff team was extremely responsive to all of my inquiries and reached out to me several times to keep me on track for submitting my documentation. I appreciate everything they have done for me so far and I would absolutely recommend Payoff to friends and family in need. Thank you again!
Negative- Payoff Inc. is a joke of a company. Took them 4 weeks to finally get a answer to me. I would highly recommend no one to use this company!
Business response:
Payoff, Inc. is in receipt of your BBB review and we appreciate the time you took to bring the issue you experienced during a loan application to our attention. We take your concerns seriously and appreciate the opportunity to respond fully to them. You expressed concern over Payoff’s loan application process timing. I sincerely apologize for any inconvenience this may have caused you. Payoff has a credit policy in place and must review certain credit criteria, including verifying income documents. Our first concern is that,... read more
I am a young professional looking for a personal loan to payoff credit card debt incurred as an irresponsible teen. After reviewing multiple companies, I decided to apply for Payoff. I submitted my application with all requested documents and the waiting game began. A week exactly from my application I send an email to check the status. I get an automated reply that it’s being reviewed. A few hours later I get a call from a snarky employee who clearly doesn’t want to be at work asking me to unlock my credit with the three bu... read more
Business response:
Payoff, Inc. is in receipt of your BBB review and we appreciate the time you took to bring the issue you experienced during a loan application to our attention. We take your concerns seriously and appreciate the opportunity to respond fully to them. You expressed concern over Payoff’s loan application process and your experience with a customer service representative. I sincerely apologize for any inconvenience this may have caused you. Payoff has a credit policy in place and must review certain credit criteria, including re... read more
Their advertising leads you to believe they can help anyone. Their Ads on Instagram are misleading. In a nutshell, you have good credit to get help paying off your credit cards.... let me rephrase again... in order to get help from PayOff to help you manage and pay off your current debt & credit cards, they require you to have already good credit. If your score is below 640, they won't help you better your credit. They're here to only help those with already credit. Then as I come to post my review, I see other complaints ab... read more
Business response:
Payoff, Inc. is in receipt of your BBB review and we appreciate the time you took to bring the issue you experienced during a loan application to our attention. We take your concerns seriously and appreciate the opportunity to respond fully to them. You expressed concern over Payoff’s Instagram advertisement which led you to feel that the ad is misleading due to minimum credit score requirement at Payoff’s platform. Payoff has a credit policy in place and must review certain credit criteria, including credit score to ensure ... read more
Frequently asked questions about Payoff
How is Payoff rated?
Payoff has a 1.6 star rating with 55 reviews.
When is Payoff open?
Payoff is open now. It will close at 5:00 p.m.
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