Leave credit card debt in the past. Get that debt-free feeling.
The Payoff Loan™ – A personal loan to pay off credit cards
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 FICO® score by up to 40+ points.††
Checking your rate is free and won’t impact your credit score*
Our Rates & Terms‡
LOANS FROM‡
$5,000 - $40,000
APR‡
11.72% - 17.99%
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.
“Happy Money helped me get out of debt that I never could on my own.”
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 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.