Terms
Last updated October 20, 2026
What GoPayoff is
GoPayoff is a free tool that compares rates Canadian banks advertise on their own websites and estimates what you could save by moving your debt. It is information, not financial, legal, or tax advice.
Rates and estimates
We collect rates from bank websites and check them regularly, but banks change them without notice and we can make mistakes. Advertised rates are usually the lowest available. The rate you're offered depends on your credit and the bank's approval, and fees such as balance transfer or setup fees aren't included in our estimates. Always confirm the rate and terms with the bank before you apply.
No guarantees
GoPayoff is provided as is. We aren't responsible for decisions you make based on it, or for any bank's products, approvals, or websites.
Referral links
Some links to banks may earn us a referral fee at no cost to you. Options are always ranked by estimated savings, never by what we earn.
Trademarks
Bank names, card names, and card images belong to their owners and are shown only to identify their products. GoPayoff isn't affiliated with or endorsed by any bank.