There is only one fee associated with a Payoff Loan™. We charge a small, one-time origination fee when you obtain your Payoff Loan™.
The only other fee you may potentially incur would be a returned payment fee (RPF) if you don't have enough money in your account when your automatic payment is made. But that fee would be charged by your personal bank, not Payoff.
At Payoff we want as much money going towards paying off your credit cards as possible. You can see more details here: https://www.payoff.com/loan/rates-and-fees