This is a scam! Don't trust them. After going through the application/ documents verification process. Pay Off Loans send me a Congratulations Your Approved email. However, when I open the email, clicked on "to accept", I'm suddenly rerouted to the application process again. So, I go through the application/documents verification process all over again just to receive a "Turned Down" email. Pay Off Loans explanation is that I had two inquiries on my credit report. Guess what, after checking with Life Lock and my credit report I confirmed the two inquiries were from Payoff Loans!! The same company that made me apply twice. Don't waste your time! read more