You're pre-qualified for $5,000 to $40,000 and a fixed rate as low as 12.45% APR.‡

Personal loans with your best interests at heart

Fund special occasions, home renovations and eliminate credit card debt on your terms.

Enjoy a single, fixed payment with a set paid-off date.

Simple

No hidden fees here, just a one-time upfront fee and zero late fees.†

Transparent

We’ve got you covered with custom loan plans built for you.

Customizable

Founded in 2009, Payoff created The Payoff Loan™, a personal loan to eliminate credit card debt. Through partnerships with credit unions, we offer better rates and terms.

In 2022, we evolved to Happy Money! We continue to offer customized and transparent personal loans with fixed rates as low as 12.45% APR‡ to fund what makes you happy.

New name, new look and more ways to fund your happy.

Our Story

How our personal loans work

APR includes 1.5% - 5.5% Origination Fee.†

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

We don't like jumping through hoops anymore than you do. So we made it easy, straightforward and quick to apply.‡‡

Check your rate

Choose your terms

Verify your info

Receive your funds

Pay off credit card debt with The Payoff Loan™. Reduce stress and save with personal loans between $5,000-$40,000 with rates as low as {{headlineAPR}} APR built for you.

Personal Loan To Pay Off Credit Card Debt - Happy Money

Enjoy a single, fixed payment with a set paid-off date

Save up to thousands of dollars thanks to low interest rates.

Save

Potentially boost your FICO® score by up to 40+ points.††

Boost

Paying off credit cards is one of the best ways you can make sure you won’t be stressed about money. As an added bonus, you’ll be saving on interest along the way.

Instead of operating on someone else’s timeline, you get to choose your terms, pay-off date, and monthly payment. With us, you’re in control of your own money.

Our Member Advocates are here to help you succeed. No more hour-long waits or chatbots that get you nowhere - you’ll be speaking to real people who really care.

Finances can be overwhelming. We’re here to help.

The Payoff Loan is a personal loan between $5,000 and $40,000 designed to help you eliminate or lower your credit card balances.‡‡  We’ve built The Payoff Loan to give you control of your finances and pay your credit cards off faster by consolidating your high-interest card balances into one monthly payment at a fixed rate and term of your choosing.

Don’t worry, checking your rate will not hurt your credit.* However, before you finalize your Payoff Loan, we will run a hard inquiry, which can impact your credit score. Luckily, our Members see an average FICO® Score increase of 40 points after making their first few payments!††

We’re proud to be transparent about our approval process, and we encourage you to review the main requirements <a href="/getting-approved">here</a> before you submit your application.

The Payoff Loan™ – funding your happiness

Our ever-growing library of Support articles can answer most of your questions in a few clicks. Need to talk to someone? Our world-class Member Advocates are here for you 7 days a week with helpful, friendly, and confidential support.

Designed to help boost your FICO score††

We keep it transparent: an origination fee is charged by our lending partners when your loan is issued, and that’s it.† If that sounds intimidating, don’t stress: the origination fee ranges from {{originationFeeMin}} and {{originationFeeMax}}, and there are no hidden charges.

Our online Member Portal and Happy Money mobile app allow you to monitor payments, track your progress, and directly contact our support team. Think of them as tools to help you with any of your loan servicing needs.

We're excited to help you fund your happiness. Once your information is verified as part of the approval process, your funds will be available.

We take a look at your credit, income, and savings to determine your personal loan plan. No consequences or commitments.

We’ll show you multiple options including the lowest monthly payment, best rate, and quickest way to pay off.

We finalize all the legal documents and verify your information before dropping the money into your account, or paying the credit card company directly.

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See what our members have to say about their Happy Money lending experience.

With a simple interface and quick application process, The Payoff Loan™ streamlines paying off credit card debt.

Paying off your credit cards with The Payoff Loan™ can save you thousands of dollars thanks to low interest rates and a single, fixed payment.

By paying off debt with The Payoff Loan™, some members have increased their FICO® score by up to 40 points.††

Personal loans with your best interests at heart

Why Happy Money?

Our Story

How our personal loans work

Personal loans made personal

Let’s fund your happy