At Happy Money, our mission is to help people achieve happiness by providing the financial support they need. We’re also committed to making your life easier, starting with a more convenient way to manage your account!

Introducing the Happy Money mobile app—your go-to tool for managing your account anytime, anywhere. With this app, you can easily pay your bills, track your progress, and manage your account all in one place. It’s designed with your convenience in mind, allowing you to log in securely using fingerprint or face recognition. Set up push notifications to stay informed and never miss an important update. Managing your account on the go has never been easier!

Please note: The Happy Money app is available exclusively for existing Payoff™ members to manage their accounts. To learn more about Happy Money and our services, visit happymoney.com.

Our Mission: Affordable, Accessible Financial Solutions

Happy Money is dedicated to delivering affordable and accessible financial tools that empower you to use money as a resource for your happiness. We are committed to transforming the lending industry by offering transparent, easy-to-understand financial products.

How We're Revolutionizing Lending

At Happy Money, we believe personal loans can be powerful tools to help you reach your goals. That’s why we’ve designed our loans with simplicity and transparency, so you can focus on what matters most—doing what you love. Our loans come with low-interest rates and flexible payment schedules tailored to your needs.

By partnering with credit unions and community-focused lenders, we prioritize your best interests. Together, we offer accessible financial tools that work for everyone.

The Payoff Loan™: A Simple Solution for Credit Card Debt

Whether you’re looking to consolidate credit card debt or streamline your finances, The Payoff Loan™ is designed to help.

• Loan Amounts: Borrow between $5,000 and $40,000‡
• Low Interest Rates: Rates starting as low as 12.45% APR‡
• Flexible Terms: Pay it off in 2-5 years**

Why Choose The Payoff Loan™?

Simplify
The Payoff Loan™ simplifies your financial life. With a user-friendly interface and a quick, hassle-free application process, it streamlines paying off credit card debt.

Save
Take advantage of low interest rates and a single, fixed payment. By paying off your credit cards with The Payoff Loan™, you could save thousands of dollars.

Boost
Many of our members have seen their FICO® scores improve by up to 40 points†† after using The Payoff Loan™ to reduce their credit card debt.

We’re here to help you take control of your financial future—so you can focus on what truly brings you happiness. Visit happymoney.com to learn more about our services and how we can support your financial goals.