“I’m paying every month, but the debt just… doesn’t move.”

If that sounds like you, you’re not alone. Millions of Indians are caught in a loop where their credit card payments go out like clockwork—but the total amount barely shrinks. That’s the minimum payment trap, and it’s built to keep you stuck.

At PayOff, we don’t lend money directly. But we help people like you find the right debt consolidation solution—through trusted lending partners—so you can finally stop the cycle.

The Truth About Minimum Payments

Let’s say you owe ₹1.5 lakh across 3 credit cards.

Each month, you pay the “minimum due”—maybe ₹7,500 in total. But guess what? About 80% of that money goes toward interest, not the actual amount you borrowed.

That means:

You keep paying

Your debt barely shrinks

You stay trapped for years, paying up to 3x what you borrowed

This isn’t poor planning on your part. It’s a system designed to benefit the banks—not you.

How PayOff Can Help

We connect you with reliable lending partners who offer personal loans tailored for debt consolidation. That means:

· One lower-interest loan instead of multiple high-interest debts

· One fixed monthly payment instead of juggling 4–5 cards and due dates

· A clear, visible end date to your debt

You're not borrowing more. You’re swapping chaos for clarity.

Real-Life Example

Before PayOff:

• 3 credit cards
• ₹1.5L total debt
• 42% average annual interest
• ₹7,500+ monthly, barely making a dent

After PayOff:

• One personal loan at ~14–16% interest
• ₹4,000–4,500 EMI
• Debt-free in 3 years, not 10

Why It Matters Now

The longer you stay in the trap, the more you pay. Credit card interest compounds like wildfire. Every delay adds fuel.

You don’t need another credit card.

You don’t need to borrow from friends.

You need a plan—and that’s what PayOff helps you find.

What’s Next?

You’ve already taken the first step: understanding the trap.

Let us help with the next one: connecting you to a better solution.

Because being stuck isn’t your fault. But staying stuck? That’s where we can help.