Say goodbye to credit card debt!
Personal loans with your best interests at heart.
Checking your rate is free and won’t impact your credit score*
Why Happy Money?
Simple
Enjoy a single, fixed payment with a set paid-off date.
Save
Save up to thousands of dollars thanks to low interest rates.
Boost
Potentially boost your credit score when you pay off debt.††
Checking your rate is free and won’t impact your credit score*
Our Rates & Terms‡
LOANS FROM‡
$5,000 - $40,000
APR‡
8.95% - 29.99%
TERMS**
24 - 60 months
No Application Fees
No Late Fees
No Prepayment Penalties or Fees
No Annual Fees
How The Payoff Loan works
We don't like jumping through hoops anymore than you do. So we made it easy, straightforward and quick to apply.‡‡
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Check your rate
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Choose your terms
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Verify your info
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Receive your funds
Checking your rate is free and won’t impact your credit score*
Personal loans made personal
See what our members have to say about their Happy Money lending experience.
Kerry M.
Efficient and seamless process. Very pleased with how quickly I received funds after applying. Everyone I dealt with was courteous and professional.

Sandra
I was interested in consolidating debt after a divorce and this was easy and helped me to create a plan to become debt free.

Sean S.
From start to finish, the process was smooth, transparent, and stress-free. The team was incredibly professional.
