personality the science the payoff loan how it works rates & terms getting approved member benefits more payoff life faq contact us company about payoff team board press careers legal trust and security terms of use privacy policy lending partners financial wellness guide overview financial stress financial picture financial personality the science the payoff loan how it works rates & terms getting approved member benefits company about payoff team board press faq payoff life log in contact us healthy . wealthy . wise . introducing the payoff financial wellness guide combining your health finances and personality into one clear picture to help you focus on what matters most to you . get started or see how it works below . 1the relationship between stress finance and you complete short scientifically developed assessments to uncover how your stress and personality influence your financial wellness . healthy uncover the effects of financial stress in this 3 minute assessment you ll measure your financial stress and recieve steps for reducing the effects it can have on your life . take the stress assessment learn about financial stress wealthy better understand your financial picture in this 10 minute assessment you ll receive an in depth picture of your current financial situation and how it compares to your peers . take the wealth assessment learn about your financial picture wise discover your financial personality in this 2 minute quiz you ll gain a deeper understanding of how your personality affects your financial behaviors and receive customized guidance for improving those habits . take the personality quiz learn about your financial personality 2personalized recommendations receive customized content products and insights based on your goals finances and personality . relevant content smart products personal insights get your financial wellness guide get your financial wellness guide get your financial wellness guide relevant content smart products personal insights get your financial wellness guide thoughtful interaction beyond interface hand written note to new payoff members encouraging fiscal responsibility steph j wilson loving the new homemade newsletter from payoff called the blend . drink up ceemion okay this money personality quiz was eerily accurate . thanks for sending payoff brokepedia just paid off my two major credit cards thank you payoff ethomanator according to the payoff study 23 percent of americans and 35 percent of millennials experience a debilitating degree of stress over their finances affecting their thoughts and feelings in ways that are most commonly associated with ptsd . while the quiz is fun there are also helpful recommendations for how each personality should manage their money . for instance payoff recommends that storytellers remain more conscious of spending when they re out socially . payoff is hoping to make it easier for people to understand how they make financial decisions . and the bet is that by understanding your personality you can take steps to improve your decisions in the future . by offering loans at rates lower than those charged by many card companies payoff says it will help consumers pay off their most expensive debt and get on sound financial footing . read all press coverage the payoff team we re building a community of people who care . meet our team financial personality discover your habits around savings and spending . learn more new video uncovering acute financial stress . featuring payoff s chief science officer dr. galen buckwalter . learn more blended & delightful our newsletter the blend combines inspiring stories financial wellness and the latest payoff news into one place . check it out financial wellness guide overview financial stress financial picture financial personality the science the payoff loan how it works rates & terms getting approved member benefits company about payoff team board press careers more payoff life faq contact us support legal trust and security terms of use privacy policy lending partners bank level security payoff works with a bank partner to ultimately originate loans . first electronic bank issues all loans made using the payoff platform . first electronic bank is an fdic insured utah chartered industrial bank located in salt lake city utah member fdic and equal housing lender . individual borrowers must be a us citizen or permanent resident and at least 18 years old . valid bank account and social security number are required . all loans are subject to credit review and approval . your actual rate depends upon credit score loan amount loan term credit usage and history . you must be a us citizen or permanent resident and at least 18 years old . currently loans are not offered in al az co ct de ia il in ks la ma mn nh nj pa sd tx vt wv and wy . our mailing address is payoff inc. 3200 park center drive ste 800 costa mesa ca 92626 . payoff offers fixed rates between 6.00 % 8 % apr and 19.65 % 22 % apr for loan amounts from 5 000 to 35 000 . currently the maximum apr in ny is 16 % . copyright 2009 2016 . payoff inc. all rights reserved .