The Payoff Loan is a personal loan between $5,000 and $35,000 designed to eliminate or lower your credit card balances. The Payoff Loan is designed to allow you to take control of your finances and pay your credit cards off faster. In cases where you’re looking for the best personal loans online, it’s important to be thorough in your research. The best online personal loans for you will depend on your exact situation. Source. So, you really needed that money and you took a payday loan even though these loans come with really high-interest rates. However, if you do not pay the loan back in time the interest really starts to add up which means you can get into a lot of trouble if you don’t plan your budget correctly. The payday loans are available up to $1000, and you can get personal agreements up to $3000. Payday loans with no credit check are available here, and it's a good option if you want to get your money fast. Use the funds you receive through your personal loan to pay off all outstanding payday loans and close the door to payday lending for good. Then make the minimum monthly loan payment for your new personal loan on time and in full. Once you’ve built your credit above the 600 threshold, visit your local credit union to apply for a personal loan. Things happen. Your car breaks down and it will be 10 days before you get paid, but you need it fixed now to get to work or even grocery shop.