Escape the minimum payment
Trade the endless minimum payment for a fixed one that ends
The card's minimum payment barely touches the debt. With Roca you pay it off at once, up to $250,000, and switch to a fixed payroll payment with an end date.
The difference is structural
With the minimum payment
- The debt barely drops: most of it goes to interest
- The balance can grow if you keep using the card
- No end date in sight
With the fixed payroll payment
- Every deduction moves a schedule with an end
- The amount is fixed: what you sign is what you pay
- There is a date when you are done
How the switch works
- 1
We pay off your card
It is not a cash loan: your card balance is settled directly.
- 2
One payment remains
Your debt now lives in a fixed payment, at a fixed rate, deducted from payroll.
- 3
You finish on a date
Terms of 3 to 36 months, whatever fits. Every deduction brings you closer to zero.
What you need
One year at your company, your basic file, and the partner institution's credit analysis, which includes a bureau check.
See the payroll loan requirementsAre you an employee?
This benefit reaches you through your company
If your company already works with Roca, ask HR how to activate it. If not yet, share this page with HR: turning it on costs the company nothing.
Years of watching people pay the minimum while the debt never drops. A fixed payment with an end date is math that actually works.
Frequently asked questions
Activate this benefit at your company
Request information with no commitment
Leave your details and an advisor will contact you within 24 hours
- Zero cost for your company
- Response within 24 hours
- No commitment
- Personalized attention