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Personal loans with your 
best interests at heart

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

You’re pre-approved for $5,000 to $40,000 and a fixed rate as low as 5.99% APR.‡

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

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Credible 4.5 out of 5 rating

Why Happy Money?

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    Simple

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

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    Transparent

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

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    Customizable

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

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Checking your rate won't hurt your credit score.*

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is now

Happy Money Logo

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

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Our Story

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 5.99% APR‡ to fund what makes you happy.

Best Online Personal Loans For June 2022
Best Online Personal Loans For June 2022 Mobile
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Our Rates & Terms

LOANS FROM‡

$5,000 - $40,000

APR‡

5.99% - 24.99%

APR includes 0% - 5% Origination Fee.

TERMS**

24 - 60 months

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No Application Fees

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No Late Fees

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No Prepayment Penalties or Fees

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No Annual Fees

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How our personal loans work

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

  • Calculator

    ((1))

    Check your rate

  • Calendar

    ((2))

    Choose your terms

  • Magnify Glass

    ((3))

    Verify your info

  • Money with Wings

    ((4))

    Receive your funds

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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 Payoff Loan experience.

“Happy Money helped me get out of debt that I never could on my own.”

Gia B.

Happy Money Member, Gia B.

“It is great to see one bill rather than 4-5 bills. And the interest rate is so much more manageable.”

Jimmy S.

Happy Money Member, Jimmy S.

“Happy Money took all my worry and uncertainty about credit card debt off my shoulders and provided one easy place for me to start making significant dents in my debt.”

Misha A.

Happy Money Member, Misha A.

Let’s fund your happy

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