Happy Money is awesome! I went online answer d a few typical questions. Less than ten mins I promise. Approved. It was a Friday morning and we were notified the money was deposited in our account and... See more
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Review summary
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Happy Money is my go to for personal loans. They have competitive rates and their loan approval process and payment process is super easy to navigate. They partner with credit unions, as well. All... See more
Company replied
From the moment I asked how much I could be approved for to the final deposit, the entire process was smooth and straightforward. I never felt overwhelmed or like I was signing my life away. I truly a... See more
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Company details
Written by the company
Happy Money is a financial technology company that believes money can be a tool for happiness. We aim to make personal loans a happier experience and help our members achieve their goals. Our first product, The Payoff Loan™, is designed to help members lower and eliminate their credit card balances. Founded in 2009, Happy Money has worked with lending partners to fund over $3.9 billion in loans for 208,000 members and counting. We are expanding the types of personal loans we offer and look forward to helping new members fund their happy.
Contact info
21515 Hawthorne Blvd, Suite 200 , 90503, Torrance, United States
- 1-800-878-0901
- success@happymoney.com
- happymoney.com
4.7
Excellent
852 reviews
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Happy Money
Indeed, initially not too sure of loan approval because of my credit. My new baby 15 months mom pregnancy was deemed High Risk, and therefore had to stay home till put to bed.
I had to resort to credit cards to pay off bills and after her delivery my max out credit cards came punching me hard leaving me stressed and restless.
Surprisingly, my loan was approved within 10 minutes and deposited to my account in less than a week. I’ve paid most of the cards and can now have very happy moments with the family and little baby. Happy Money is the way out for people with my situation. I’ve been given options to choose a date for payment and the monthly payment will allow me to put bread and butter matter to rest. Thank you Happy Money 🙏🙏🙏
27 March 2026
Reply from Happy Money
Thank you for the review! We love empowering people to use money as a tool for their happiness! It's wonderful that Happy Money has helped with your credit cards, allowing you to focus on your family.
Very good was able to pay off other…
Very good was able to pay off other loans and credit cards
11 April 2026
Reply from Happy Money
We love to hear it! 😍 🙌Money really can be a tool for happiness.
Reply from Happy Money
We're happy to hear that the approval process was fast and easy for you! Thank you for your positive feedback; it means a lot to us.
Approval process seamless
Approval process seamless. Overall I had an exceptional experience!
11 April 2026
Reply from Happy Money
We're happy to hear that the approval process was seamless for you! Thank you for the review!
Reply from Happy Money
We're happy to hear that you found the application process easy and the APR low. Thank you for your feedback!
Super easy
Easy quick and when I did have to email customer service it was fast response
12 April 2026
Reply from Happy Money
We're happy to hear that our service was quick and easy for you. We appreciate your feedback regarding our fast customer service.
Made experience very easy
Made experience very easy. Very easy to set everything up and explained everything very easily
11 April 2026
Reply from Happy Money
We're happy to hear that the setup was easy and the explanation was clear. We appreciate you taking the time to share your positive experience!
Ease of application
Ease of application - all online
Received approval & loan within a week
Every detail taken care of by process -
No questions or confusion.
Amazing company
27 March 2026
Reply from Happy Money
That is amazing!! Our goal is to help our members achieve their goals – so thanks for sharing your experience with Happy Money.
Best loan experience by far!
Best loan experience by far! I got a low rate for the amount of time I requested. Money was available in the time frame they provided.
14 March 2026
Reply from Happy Money
Thank you for the review! 🙌We love empowering people to use money as a tool for their happiness!
Reply from Happy Money
We're glad you had a fast and efficient lending experience. Thank you for your recommendation; it means a lot to us.
Easy Process LoanLoan was very easy to apply and receive.
Loan was very easy to apply and receive.
10 April 2026
Reply from Happy Money
We're happy to hear that the application process was easy. Thank you for your feedback!
Fast information checks and application…
Fast information checks and application process approval
9 April 2026
Reply from Happy Money
Hi, we are so happy you've had a wonderful experience. 🥳 We love helping people achieve their goals!
Reps asked me the same question…
Reps asked me the same question multiple times . Funding took a few days.
9 April 2026
Reply from Happy Money
We are sorry to hear about your experience with Happy Money. If there is anything we can assist you with or do to enhance your experience, please let us know. You can reach our team at support@happymoney.com or 1-800-878-090, Monday-Frida between 6:00 am - 2:30 pm (PT) / 9:00 am - 5:30 pm (ET).
very helpful and professional
6 April 2026
Reply from Happy Money
Thank you for the review! 🙌We love empowering people to use money as a tool for their happiness!
Reply from Happy Money
We love to hear it! Money really can be a tool for happiness.
TThis was the easiest process ever!his was the easiest process ever
This was the easiest process ever! From start to finish, this was a super pleasant experience! The website was so easy to navigate and the application process was stress free. I cannot be happier with Happy Money! My stress has completely dissolved since paying off my high interest credit cards! Thank you Happy Money for giving me peace of mind again!
5 April 2026
Reply from Happy Money
We're happy to hear that you found the process easy and stress-free. It's great to know that paying off your high-interest credit cards has brought you peace of mind. Thank you for sharing your positive experience!
This was the easiest
This was the easiest, no hassle transaction, everything was clear and quick, I was able to pay off my cards within days and it took such a weight off my shoulders knowing that I will have extra money freed up every month.
5 April 2026
Reply from Happy Money
We're happy to hear that the process was easy and quick for you. Thank you for the review! 🙌We love empowering people to use money as a tool for their happiness!
It’s been a big relief being able to…
It’s been a big relief being able to pay off all my credit cards. Happy Money was so easy to work with. Thank you so much
4 April 2026
Reply from Happy Money
That is amazing!! Our goal is to help our members achieve their goals – so thanks for sharing your experience with Happy Money.
Easy application process
I needed funds without a lot of hassle while rebuilding my credit & Happy Monday approved me quickly! I’m so grateful!
4 April 2026
Reply from Happy Money
We're so happy we could provide you with quick assistance during your credit-rebuilding journey. Thank you for sharing your positive experience with us!
The process was easy
The process was easy. The interest rate wasn’t too, high and the processing fees weren’t high. Also, the money was in my account in no time.
2 April 2026
Reply from Happy Money
We're happy to hear that the process was easy, and that you've had a wonderful experience. 🥳 We love helping people achieve their goals!
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