★★★★★ 4.5/5
4.5
Money4Loans Score
★★★★★ 4.2/5
4.2
TrustPilot Score
About Happy Money
Happy Money (previously known as Payoff) is a financial technology company that offers an online platform for managing your finances.
They offer personal loans specifically for Credit card debt consolidation. Their platform also has a variety of tools to help users increase their credit scores and manage their money.
Happy Money is headquartered in Tustin, CA, and was founded in 2009.
Pros
- Customizable loan terms
- No late or annual fees
- Integrated money management tools
- No application fees
Cons
- Low maximum loan amount
- Slower funding
- No joint applications
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Happy Money Loan Details
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Minimum credit score/credit range
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640
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APR
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11.52% - 24.50%
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Loan amounts
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$5,000 - $40,000
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Terms
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24 - 60 months
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Approval turnaround
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3 to 6 business days
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Availability
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All States (Except NV, MA)
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Fees
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N/A
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Other fees
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Origination fee - Up to 5%
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Who Is Happy Money Best For
Happy Money is best for borrowers with fair to good credit scores who are looking to consolidate their credit card debt.
Happy Money is not for borrowers who are in need of a loan for large expenses, because Happy Money only offers loans for credit card debt consolidation.
