I have had credit troubles in the past. Can I still get a Payoff Loan™? November 09, 2021 17:58 Updated You do not need a flawless credit history to get a Payoff Loan. Visit our Getting Approved page to see some of our Payoff Loan approval factors. Related articles Where do I receive the money if I'm approved for a Payoff Loan™? How long does the Payoff Loan™ approval process take? Can a Payoff Loan™ hurt my credit in any way? How can I make an extra payment on my Payoff Loan™? I did not get approved. Can I re-applying for the Payoff Loan™?