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
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Review summary
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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
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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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Easy to use
Easy to use. I received the funds when Happy Money said. That feeling that I felt was that I was secure using Happy Money.
February 2, 2026
Reply from Happy Money
We're happy to hear that our platform was easy to use and that you received your funds as expected. It's great you felt secure using our services!
I love ❤️ happy money easy to apply as…
I love ❤️ happy money easy to apply as the app is so easy to use
February 2, 2026
Reply from Happy Money
We're happy to hear that the application process was easy, and the app was simple to use. Thank you for your positive feedback.
It was amazingly easy to apply and got…
It was amazingly easy to apply and got the best APR. So far, so good
February 2, 2026
Reply from Happy Money
We're happy to hear that the application process was easy and you got a great rate. Thank you for your positive feedback!
Such a great company
Such a great company!
I applied and the it took about 5 minutes to get approved. The loan was to help me pay off credit card debt. A few days later the money was in my account. Super easy to work with . Thank you very much !
February 2, 2026
Reply from Happy Money
We're happy to hear that the application process was quick and easy! We're glad our loan helped you pay off your credit card debt, and we appreciate your kind words. Thank you!
Reply from Happy Money
We're glad our service was super easy and handled your issues. Thank you for your positive feedback!
My experience was great because it was…
My experience was great because it was simple and easy to apply.
February 2, 2026
Reply from Happy Money
We're happy to hear that the application process was simple and easy for you. Thank you for your positive feedback; we appreciate it.
early payments
If I want to make a early payment, it should not be counted as an extra payment.
January 5, 2026
Reply from Happy Money
Thank you for taking the time to share your feedback. We understand how frustrating it can be when a payment doesn't behave the way you expect it to. When an early payment is made, it is applied to your account in accordance with the terms of your loan agreement, which may result in it being processed differently than a standard scheduled payment. We'd love the opportunity to walk you through how your payments are being applied and address any concerns you may have. Please don't hesitate to reach out.
Love it
Very convenient, the money came in an efficient time and the website was easy to use
February 1, 2026
Reply from Happy Money
We're happy to hear that our website was easy to use and that you received your money quickly and efficiently. Thank you for your feedback.
I love Happy Money
I love Happy Money! Here lately I’ve been trying my hardest to get out of debt, but felt like no matter how much I paid on my credit cards, the 30% was just slowing it down horribly. I took out this loan, have already made more progress at such a lower interest rate, and am set to be debt free in less than two years! Sounds dumb, but this has truly helped me out.
February 2, 2026
Reply from Happy Money
We're happy to hear that our loan has been so helpful in your debt repayment journey! Thank you for sharing your experience with us.
My loan
I filled out loan papers then before I knew it i had my loan money in my account it's been so easy paid off my credit cards that's a big relief. Low payment to pay back in 3 years I just love the whole process.
February 2, 2026
Reply from Happy Money
We're happy to hear that the loan process was easy and fast. It's great to know that you were able to pay off your credit cards and that you are pleased with the low payments.
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.
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