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
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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
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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Happy Money is awesome
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 it was there Tuesday or Wednesday can’t quite remember. It pays to keep credit score up you can just tell how much you need and its in the bank.
20 February 2026
Reply from Happy Money
We're happy to hear that you had such a positive experience with our quick and easy process! It's great to know that you were approved quickly and received your funds in a timely manner. We appreciate you sharing your feedback.
A wonderful loan experience.
30 April 2026
Reply from Happy Money
We're happy you had a wonderful loan experience. Thank you for sharing your positive feedback with us.
Happy Money is my go to for personal…
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 around a huge win for anyone needing a loan.
30 April 2026
Reply from Happy Money
We're happy to hear that you find our loan process easy to navigate and our rates competitive. Thank you for sharing your positive experience with us; we appreciate your feedback!
The transaction was great and quick
The transaction was great and quick. I would recommend them to anyone
30 April 2026
Reply from Happy Money
We're happy to hear that your transaction was great and quick! Thank you for recommending us; we appreciate your positive feedback.
Easy Money Loan
I was able to quickly able to get my loan approved. When I was ready to pay the loan off early it was done very fast. The one complaint I have is that the interest rate was to high.
30 April 2026
Reply from Happy Money
Thank you for the review! We love empowering people to use money as a tool for their happiness!
Happy money is the best
Happy money is the best. The money came to my account very easy.
30 April 2026
Reply from Happy Money
Our goal is to help our members achieve their goals – so thanks for sharing your experience with Happy Money.
I was approved for a loan very quickly
I was approved for a loan very quickly. As it turned out, I was able to repay in no time without penalty. The people at Happy Money are very knowledgeable and friendly. Great to work with🙂
30 April 2026
Reply from Happy Money
We're happy to hear that you were approved quickly and could repay without a penalty. We appreciate your kind words about our team's knowledge and friendliness. Thank you!
********** 10 STARS!!
30 April 2026
Reply from Happy Money
Hi, we are so happy you've had a wonderful experience. We love helping people achieve their goals!
Easy process and low interest
30 April 2026
Reply from Happy Money
Thank you for the review! We love empowering people to use money as a tool for their happiness!
I was able to get a loan thru Happy…
I was able to get a loan thru Happy money with ease. I filled out application and received my approval relatively quickly. I also received a really good interest rate. I appreciate their promptness as well.
30 April 2026
Reply from Happy Money
We're happy to hear that you obtained a loan through us with ease. We appreciate that you found the application process quick and the interest rate appealing. Thank you for your positive feedback.
Happy money lending agency is quick and…
Happy money lending agency is quick and easy. As long as you provide all the information and documents they need, then you are good to go. There is no long wait, and your funds are in your account without delay.
They will send you an alert to remind you when the payment is due.
They are a trusted company and I have no doubt recommending them to anyone.
30 April 2026
Reply from Happy Money
We're happy to hear that our processes were quick and easy for you. We appreciate you acknowledging our reminders and recommending us. Thank you for your positive feedback!
Reply from Happy Money
Hi, we are so happy you've had a wonderful experience. We love helping people achieve their goals!
Farming karma
They emailed me repetitively to post a positive review. It is a subprime loan, with a high interest rate. Have a plan to pay when you apply.
30 April 2026
Reply from Happy Money
We appreciate your feedback and time. We apologize for the repetitive emails.
Love this bank.
30 April 2026
Reply from Happy Money
Thank you for the review! We love empowering people to use money as a tool for their happiness!
Easy process
Easy process, fast money deposits and clear disclosure from the company offers.
30 April 2026
Reply from Happy Money
We're happy to hear that you found the process easy and the disclosures clear. Thank you for your positive feedback!
Received the help I needed and at first…
Received the help I needed and at first I thought I wasn’t going to get approved which was ok with me and a few days later to my surprise I got the loan. Thankful for the people I dealt with.
18 April 2026
Reply from Happy Money
We're happy to hear that you received the help you needed and were approved for the loan. We appreciate you sharing your experience and are thankful for your positive feedback.
Reply from Happy Money
We're glad you were pleased with the smoothness of the process. Thank you for your positive feedback; we appreciate it.
It was a quick process and the info…
It was a quick process and the info helped me make a final decision. No hassles or unnecessary phone calls or texts.
9 April 2026
Reply from Happy Money
Thank you for the review! We love empowering people to use money as a tool for their happiness!
I really appreciate the opportunity of…
I really appreciate the opportunity of working with you all. I haven’t received my loan documents in the mail and I would like to know. Is there a prepaid penalty on paying this loan off early?
26 April 2026
Reply from Happy Money
Thank you for the review! The Happy Money loan is a personal, unsecured installment loan meaning the loan itself is not backed by any asset or collateral and the loan is funded to the member directly. Consumers can always pay the loan off early to save money in interest; we do not have any prepayment penalties.
Extremely easy to apply
Extremely easy to apply. It was quick and the money was in my account when stated. Happy Money made me Happy!
24 April 2026
Reply from Happy Money
We're happy to hear that the application process was extremely easy and quick. We're glad the money arrived on time and that we made you happy!
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