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
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
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
Company replied
Company details
- #122 of 249 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
852 reviews
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Awesome customer service!
May 11, 2026
Reply from Happy Money
Hi, we are so happy you've had a wonderful experience. 🥳 We love helping people achieve their goals!
Reply from Happy Money
We are happy the process was easy and approval fast. Thank you for sharing your satisfaction with us!
Great for first time borrowers!
This was my first time ever taking out a loan, so I was very nervous. However, the application process was very smooth. I will definitely use Happy Money again when I need another loan.
January 16, 2026
Reply from Happy Money
We're happy to hear that the application process was smooth, especially since it was your first loan. Thank you for sharing your positive experience; we appreciate it!
The funding was delayed
The funding was delayed. After contacting it took multiple days to track down the funding, and I never received an explanation. Now the first payment is due in less than 30 days.
May 10, 2026
Reply from Happy Money
We appreciate you bringing this to our attention. We're sorry to hear about the funding delay and the lack of communication. We'll look into what happened and contact you.
Reply from Happy Money
We're happy to hear that the process was fast and convenient for you. Thank you for your positive feedback; we appreciate it.
The experience was quick and easy
The experience was quick and easy. Money was deposited as requested in a timely manner.
May 5, 2026
Reply from Happy Money
We're happy to hear that your experience was quick and easy, and the money was deposited in a timely manner. Thank you for your feedback.
Reply from Happy Money
We love to hear it! 😍 🙌Money really can be a tool for happiness.
Reply from Happy Money
Thank you for the review! 🙌We love empowering people to use money as a tool for their happiness!
Quick, Easy, and Flexible Financing
Happy Money honestly makes the entire personal loan process extremely simple, almost requiring no effort on my part. Extremely quick to make it from credit check to funds disbursal, and makes it easy to plan alternative financing arrangement terms.
May 7, 2026
Reply from Happy Money
We're happy to hear that the process was simple and quick for you. We appreciate your feedback on how easy it was to plan your financing arrangements. Thanks for sharing your experience!
It was fast and easy to apply the fund…
It was fast and easy to apply the fund was in my account in two days
May 7, 2026
Reply from Happy Money
We're happy to hear that the application process was quick and easy, and the funds arrived promptly. Thank you for your feedback.
I’ve used Happy Money to consolidate…
I’ve used Happy Money to consolidate debt a couple times, and I’m very satisfied with the way they do business. They have competitive rates and straightforward information to inform about their loans. I would use them again in the future.
May 7, 2026
Reply from Happy Money
Thank you for the review! That is amazing!! Our goal is to help our members achieve their goals – so thanks for sharing your experience with Happy Money.
Very fast response
Very fast response. Interface was easy to use. Funds deposited promptly. Thank you.
May 5, 2026
Reply from Happy Money
We love to hear it! Money really can be a tool for happiness.
Help me consolidate all my credit cards…
Help me consolidate all my credit cards into 1 bill. Its so eaiaer now. I just need to make sure and make payments
May 5, 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
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.
Great company..high rates but quick and…
Great company..high rates but quick and easy to get the money
May 5, 2026
Reply from Happy Money
We are so happy you've had a wonderful experience. We love helping people achieve their goals!
The process was very fast and easy.
May 5, 2026
Reply from Happy Money
We love to hear it! Money really can be a tool for happiness.
So far I’m very pleased with Happy…
So far I’m very pleased with Happy Money. When my job closed its doors unexpectedly Happy Money got me the money I needed to maintain, quickly. The application was an easy process! I just wish I could make extra little payments towards my monthly note rather than having to wait until my scheduled payment date but Other than that so far, it’s been a positive experience!
May 5, 2026
Reply from Happy Money
Thank you for the review! We love empowering people to use money as a tool for their happiness! You are able to schedule additional payments by logging into the member portal or you can reach our team at support@happymoney.com or 1-800-878-090, Monday-Friday between 6:00 am - 2:30 pm (PT) / 9:00 am - 5:30 pm (ET).
Reply from Happy Money
Thank you for the review! We love empowering people to use money as a tool for their happiness!
The ease with which I secured the loan…
The ease with which I secured the loan made the process stress-free. I was back to sleeping through the night and not thinking about how I would ever get out of debt. Thank you, Happy Money, you certainly made me very Happy.
May 5, 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.
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