Is Happy Money a bank?

No, Happy Money is not a bank. Happy Money is a consumer finance company that helps people use money as a tool for happiness. Founded in 2009, we offer simple, transparent loans funded by trusted financial institutions, including credit unions and banks.

Our flagship product is The Payoff Loan™, a personal loan you can use to consolidate credit card debt or refinance an existing personal loan. Together with our lending partners, Happy Money has originated more than $7 billion in loans to help over 350,000 people take greater control of their financial futures.

Questions? Call us at 1-800-878-0901, chat at happymoney.com, or email support@happymoney.com. We're here Monday to Friday, 6:00 AM to 2:30 PM PT / 9:00 AM to 5:30 PM ET.