Phrase Meaning – ‘Pay Off’ vs. ‘Pay Up’: Understanding the Difference

phrase-meaningphrases

Merriam-Webster – Definition of "Pay Off" (transitive verb) to pay (a debt or a creditor) in full

Merriam-Webster – Definition of "Pay Up" (transitive verb) to pay in full

According to the dictionary, both phrases could mean to pay in full. So, is there any difference between these two at all? Or they can be used interchangeably?

Best Answer

While you are correct that they both can be used to settle a debt, the difference is amount of coercion implied.

"Pay off" is used when you voluntarily settle the a debt, either all at once or over time:

After getting a larger bonus than expected, Dan decided to pay off the loan on his car.

Buying a home outright is usually too expensive, so most people choose to open a mortgage which allows them to pay off the home over a number of years.

"Pay up" meanwhile, suggests that someone is forcing you to settle the debt (all at once), often before you might be able to pay.

My client owed me a lot of money, but I had to take them to court to get them to pay up.

The loanshark cornered the hapless shopkeeper. "You have until Friday to pay up," he growled, "else I'm going to have to come back here with some buddies and not ask you so nicely."

Basically, "pay off" is polite, and "pay up" is not.

How would you like to pay off the balance on your account today?

Your account is overdue. If you don't pay up, we're going to have to take legal action.

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