Simplify Your Life
As Seen On
Benefits of The Payoff Loan™
Better Than Credit Cards
Simple and Easy
Credit Boost
Personal Service
Fast Application
Focused on Credit Cards
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 Prepayment Penalties or Fees
- No Late Fees
- No Annual Fees
What Our Members Are Saying
5 / 5 STARS ON Lending Tree
4.7 / 5 STARS ON Credit Karma
"My favorite part about working with the people at Happy Money is that they take a real human interest in their customers."
JEREMY H, HAPPY MONEY MEMBER
A Simple Application Process
Check your rate in as little as 3 minutes.
01
Check Your Rate
There are no application fees or commitments, and it does not impact your credit score.
02
Choose Your Terms
Select the offer that works best for you and finish your application.
03
Verify Your Info
Review your terms, verify your information and eSign your loan documents.
04
Receive Your Funds
Your funds to pay off your credit card balances will be electronically deposited into your account.
Checking your rate is free and won’t impact your credit score*