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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

Simple & transparent

Focused on your happiness

Focused on your happiness

Community-based partners

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.

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Number 1 Customer Centric Company in Finance
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Happy Money has been FEATURED BY

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The Payoff loan

Pay off credit card debt and fund your happiness

Personal loans between $5,000-$40,000.

Rates as low as 8.99% APR.‡

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Checking your rate is free and won’t impact your credit score*

Best Personal Loans Of February 2022

BY

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Make one simple monthly payment

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Fast and easy application

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Saves you time and money on interest

Lending made happier

Learn about how the Payoff Loan process works.

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"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

Happy Money Member, Kristy k.

Go debt-free your way

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$4.3 billion+

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Let’s fund your happy

Personal loans to help you reach your goals.

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