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Leave credit card debt in the past. Get that debt-free feeling.

The Payoff Loan™ – A personal loan to pay off credit cards

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

Please enter your ten digit offer code

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

Why Happy Money?

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    Simple

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

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    Save

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

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    Boost

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

Check my rate

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

Best Personal Loans of February 2022

BY

Forbes Logo
Bankrate 4.6 out of 5 rating
Better Business Bureau A+ rating
Credible 4.5 out of 5 rating
Lendingtree 4.6 out of 5 rating
Nerdwallet 4.5 out of 5 rating
Trustpilot 4.6 out of 5 rating

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

View rates and terms

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.‡‡

  • Calculator

    ((1))

    Check your rate

  • Calendar

    ((2))

    Choose your terms

  • Magnify Glass

    ((3))

    Verify your info

  • Money with Wings

    ((4))

    Receive your funds

Check my rate

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

Check my rate

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