Lending Partners

Happier together with Happy Money.

Our lending partners help us bring our mission of delivering happier financial products to life.

Let's talk

Press Coverage

American Banker Logo
Lendit Fintech Logo
CUNA Mutual Logo
Filene Logo

$3.7B+

in credit card debt paid off with lending partners’ capital

Over

208,000

members since inception

Partner Benefits

Strategic partner emoji

Work with a strategic partner

As an established fintech, Happy Money is a strategic innovation partner for mission-aligned financial institutions.

  • 5 years of long-standing partnerships with financial institutions carrying over $75B in assets
  • Commitment to Credit Unions and our shared mission to make banking better
  • Exclusive access to an innovative digital transformation partner
Grow portfolio emoji

Grow your loan portfolio

Powered by technology, our digitally-native approach acts as a turnkey acquisition channel and game-changing consumer brand for your institution.

  • Differentiated member demographic
  • Access to diversified marketing channels with a fixed acquisition cost
  • Partnership with a fun & fresh consumer lifestyle brand
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Optimize your balance sheet

Happy Money brings you portfolio diversification, increased profitability, and opportunities to grow and build positive futures.

  • Partners have seen up to a 15% increase in profitability through a 5% balance sheet allocation
  • High yield, short duration loans with an emphasis on resiliency
  • Nationwide originations

What our partners are saying

“Through our partnership with Happy Money, we’ve been able to book high-quality consumer loans at attractive yields that diversify our portfolio, and tap another source of members that we can develop a broader relationship with in the future.”
Alliant Credit Union
“One of the things that we like about the Happy Money platform is that it brings into our ecosystem younger American consumers. It provides us with a high-quality asset through the Payoff loan as well as the opportunity to develop a deeper relationship with a member who tends to share our values.”
First Tech Federal Credit Union
“The impact of this as a class over the past few years has filled a spot on our balance sheet with high-yielding, well-performing loans that would have taken a lot of time, energy, and money for us to build out internally.”
Alliant Credit Union

Key Lending Partners

Alliant Logo
Blue Federal Credit Union Logo
First Tech Federal Credit Union Logo
GreenState Credit Union Logo
Michigan State University Federal Credit Union Logo
Teachers Federal Credit Union Logo
USAlliance Financial Logo
Veridian Credit Union Logo

Partner with Happy Money

Let's talk