Very simple to apply. Low doc applying, cutting traditional paperwork into a easy process to do all online. Loan was funded fast at a rate lower that I thought it was going to be. They found the u... See more
Company replied
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Review summary
Created with AI, based on recent reviews
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Reviews shaping this summary
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
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
Company replied
Company details
- #122 of 246 best companies in Non-Bank Financial Service
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
862 reviews
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My experience have been great
My experience have been great. Easy and convenient. Customer Service is welcoming and empathetic to your needs. I am in my second loan and they always make it so easy. I will strongly recommend them.
February 2, 2026
Reply from Happy Money
We're happy to hear that your experiences have been great! It's wonderful that our customer service met your needs and that the process was easy for your loans. Thanks for the strong recommendation!
Name fits
Every time I spoke to someone, they were extremely helpful, pleasant , took an interest and were made me happy!
February 2, 2026
Reply from Happy Money
We're happy to hear that our team was so helpful and pleasant! It's wonderful to know we made your experience a happy one. Thanks for your feedback!
EXCELLENT SSRVICE AND HIGHLY COMPETITIVE RATES
This is my second loan with Happy Money. They truly allow you to get back on track. Even after getting a low APR, they offer so many options to help you stay on track like; no late fees, delayed payments, changing your due date, forbearance with no compounding interest!
If I could get 2 loans at the same time I would. The added plus is their customer service. Coming from a Fotune 100 company, my standards for CS are pretty high. They are accessible, friendly, well-informed, and as a whole, CS dept evolves and modifies to meet the needs of their customers.
February 1, 2026
Reply from Happy Money
We're happy to hear that our loan options and customer service have helped you get back on track. It's great to know that you appreciate the accessibility and knowledge of our team, and that our efforts to meet customer needs are valuable to you. Thank you for sharing your positive experience with us!
I’ve used this loan 3x and it’s always…
I’ve used this loan 3x and it’s always been a positive experience, highly recommend this route for consolidating your credit cards with higher interest.
February 2, 2026
Reply from Happy Money
We're happy to hear that your experience has been positive! Thank you for recommending our services; we appreciate your feedback.
Referral Program Disappointment
My son clicked on my referral and applied and got approved. Neither one of us received a confirmation email. I called customer service for assistance since we didn’t receive notification regarding our referral rewards. Now they’re saying we don’t qualify because we didn’t receive an email but it’s like hello that’s why I called. So disappointing that they aren’t honoring it.
January 27, 2026
Reply from Happy Money
We appreciate you bringing this referral reward inquiry to our attention. We’re sorry to hear about your experience with Happy Money. We have passed this along to our support team. We are always looking for ways to enhance your experience, so please feel free to share any other thoughts or concerns with us.
Definitely recommend
Very easy process, now I have a clear path forward with one lower monthly payment.
February 2, 2026
Reply from Happy Money
We're happy to hear that the process was easy and that you now have a clear path forward with a lower monthly payment. Thanks!
The team at Happy Money made the…
The team at Happy Money made the process so
smooth. I could not believe the ease of the entire
process. Thanks to all!
February 2, 2026
Reply from Happy Money
We're happy to hear that the process was so smooth for you. It is great to know that you experienced such ease. Thanks for your feedback!
Reply from Happy Money
We're happy to hear that you had a fantastic experience and received your funds quickly! Thank you for your positive feedback; it means a lot to us.
Reply from Happy Money
We're happy to hear that you had a great service experience! Thank you for your positive feedback; we appreciate it.
Fast and easy
February 1, 2026
Reply from Happy Money
We love to hear it! 😍 🙌Money really can be a tool for happiness.
The procedure was easy to follow and…
The procedure was easy to follow and the results came quickly
January 29, 2026
Reply from Happy Money
We're happy to hear that the application process was easy and quick for you. Thank you for your positive feedback; we appreciate it.
Excellent service from start to finish
Excellent service from start to finish. Friendly and cust service excellent
January 30, 2026
Reply from Happy Money
We are happy to hear that you had such a positive experience with our customer service. Thank you for your kind feedback!
Thanks so much to Happy Money I had an…
Thanks so much to Happy Money I had an emergency and needed cash and they come through just in time.
January 26, 2026
Reply from Happy Money
We love to hear it! Thank you for sharing your positive experience!
have paid off 80 percent of my bills …
have paid off 80 percent of my bills THANK YOU
January 25, 2026
Reply from Happy Money
We are happy to hear that you've made such great progress! Thank you for sharing this positive feedback with us!
Great company to work with
Great company to work with. I paid off some pretty exhausting debts, and now I can focus on the payback. I love this company.
January 22, 2026
Reply from Happy Money
Thank you for the amazing review! We're happy to hear that we could help you! We appreciate you sharing your experience, and we're glad you are satisfied with our services.
It was easy and smooth process thanks
January 17, 2026
Reply from Happy Money
We're happy to hear that your experience was easy and smooth. Thank you for your positive feedback!
This was a very easy process and…
This was a very easy process and experience to be able to obtain funds quickly to payoff credit cards to improve my credit score.
January 15, 2026
Reply from Happy Money
We're happy to hear that the process was easy and quick for you! Thank you for sharing your positive experience!
Great experience
Happy money made the process smooth and easy. They also had the best interest rate I could find. Customer service is great. I would definitely use them again in the future.
January 16, 2026
Reply from Happy Money
We're happy to hear that the process was smooth and easy for you! We're also glad you found a great interest rate and enjoyed our customer service. Thank you!
Smooth application, great rate and quick funding
The application process was very smooth and any time I needed to upload a document they offered to upload it for me via emails. They went out of their way to make the process as easy as possible. The rate and amount I was offered was much better and much more than other places so the decision to go with Happy Money was an easy one. I used to deal primarily with just one lender for personal loans and I used this one to pay off 2 loans with the other company and will continue to use Happy Money as long as they keep giving me great offers like they did here!!
January 16, 2026
Reply from Happy Money
We're happy to hear that the application process was smooth and easy! It's great to know that our offers met your needs and that you'll continue using our services. We appreciate your positive feedback.
Reply from Happy Money
Thank you for the review! Hi, we are so happy you've had a wonderful experience.
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