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.
Hyung L.
“Getting a loan from Payoff was the best decision I made. My credit score went up and I am paying off the loan much faster than paying off my credit card.”
Tai H.
“There’s a little weight off of my shoulders. I am so happy that this company understands that punishment is not the key to financial prosperity.”
Zachary R.
“It was just so easy to use and just really transparent.”