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
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Created with AI, based on recent reviews
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.
21515 Hawthorne Blvd, Suite 200 , 90503, Torrance, United States
Asks customers to review
This company invites their customers to review, whether positive or negative
At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
My experience was great! Fast! Secure! Wonderful staff! A blessing! Helped me pay off high interest debt! Thankyou! Happy Money!!!

Reply from Happy Money
This is my second loan over the last eight years or so. The process was once again fantastic and the terms were competitive with the banks. My loan funded in less than a week and the consolidated accounts were paid shortly thereafter. I have strong credit, but I know another person with less than perfect credit testify to having a similar experience as me! This is a great company!

Reply from Happy Money
Application was easy! Money deposited into my account quickly! Credit card debt paid in the time told! I’m totally happy! I highly recommend this company! I’m only sorry that I can’t take another loan out for the balance of my debt! The first loan must be paid off before a 2nd loan can be taken out!

Reply from Happy Money
Very easy application process! Received funds within 3 days!! Thank you!!!

Reply from Happy Money
It was a good experience,easy to use and the response was great. The funding was done on time

Reply from Happy Money
Was very surprised that I received my loan with &1000 missing. Paperwork did not say anything about that high of a fee. Should have been upfront about that. Thanks

Reply from Happy Money
This was truly a blessing. I’m so happy this company had faith in me. Now I see an end goal and a solid way out of high interest credit card debt that wouldn’t go away. Thank you happy Monday

Reply from Happy Money
The loan process was very easy. I love the competite interest rates. I am already seeing my credit score increase, and see an end in sight for eliminating my credit card debt under this loan

Reply from Happy Money
I was impressed and thankful for the opportunity to aquire a loan from Happy Money to pay off high interest rate credit cards .For many years I was paying more than the required monthly payment and always 2 weeks ahead of scheduled time . There was very little impact to my balances due to the high rates. A few times I had financial situations where I had to use my credit cards ,therefore my balances increased and so did the interest charges. The cycle was relentless and frustrating. I will have extra money to pay towards my monthly payment now .I will be able to pay my loan in less time. That is great!

Reply from Happy Money
For the online experience it was great. Took a bit longer than I thought but since I'm used to doing everything in person this was a better than I thought.
Took about a week going back and forth but I would consider it a great week. I have paid off my CC's and all is good. I would at this point recommend Happy Money for a great experience.

Reply from Happy Money
I’m very happy with the ease of obtaining this loan. The interest is low. The payment is low and the fact I received the money within three days is unbelievable. So happy to deal with happy money loans which helped me pay the ridiculous high interest rate credit cards that were keeping me from achieving my now current over 700 credit score. Thank you so much!!!

Reply from Happy Money
My experience was positive from beginning to end. The process was simple to follow, the communication was excellent, and they provided target dates and delivered on them. The rate I was given was a fair one. I love that the lender is a non-profit with a mission to help folks struggling with debt . They called after everything was disbursed to make sure I was satisfied. Highly recommended!

Reply from Happy Money
The process to receive the funds I needed to consolidate my credit cards was easy. This loan saved me about 200.00 a month. Thank you for giving me an opportunity as life was becoming a financial burden.

Reply from Happy Money
We're in an era of enormous change, with the internet, social media, and products that try to scam you out of your hard-earned money. I've worked hard to raise my credit scores by paying down my credit card debt, even though I was paying more in interest than in principal. I took a HUGE chance to apply for a low-interest personal loan with Happy Money. I was approved and am now paying 14.89 percent rather than 26.8 percent on credit card interest. I use the extra cash to invest REITS, ETF's, and emergency funds.

Reply from Happy Money

Reply from Happy Money

Reply from Happy Money
Everything went great from start to finish, and fast timing, I was able to pay off debt and was excited doing so! I would refer and use again for sure, thank you Happy Money!

Reply from Happy Money
The process was very easy, issue I had was cost was misleading, I understand companies need to make money. I am not opposed to it, I would had preferred to know beforehand this way it would've helped with requesting a different amount to cover what I was meaning to cover

Reply from Happy Money
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.