You only get happier from here
Personal loans with your best interests at heart.
Checking your rate is free and won’t impact your credit score*
Simple & transparent
Focused on your happiness
Community-based partners
We believe that personal loans can help you accomplish your goals.
Money doesn’t buy happiness.
But with us, money can be a tool for happiness.
It’s not lending at any cost.
It’s lending made happier.
The Payoff loan
Pay off credit card debt and fund your happiness
Personal loans between $5,000-$40,000.
Rates start at 5.99% APR.‡
Check my rate
Checking your rate is free and won’t impact your credit score*
Make one simple monthly payment
Fast and easy application
Saves you time and money on interest
"Payoff really helped me feel better about myself because I was one step closer to being debt-free. Now, I’ve made a promise to never be in debt again and to be wiser with my money. Savings, here I come!"
Kristy K.
Happy Money Member
Go debt-free your way
Check my rate$4.3 billion+
towards happier futures
236,000+
members