Happy Money Reviews

The most incompetent loan company I have ever dealt with. I jumped through hoops for three days with these individuals, providing every piece of documentation requested, including pay stubs, two tax forms, and bank statements with direct deposits from payroll highlighted. Yet, I was denied due to "cannot verify income." I have never had an income verification issue or any other issue with other loan companies I've used. A complete clown show.

Applied for loan, said loan was approved, received email few days later, saying congratulations, funds are deposited, waited day after day, no deposit, absolutely nothing, called three days later after numerous attempts of contact, said funds were denied!!

If I could give 0 stars I would. This company does everything it can to wait as long as they can to post payments so they can collect more intrest. It takes days for them to take the money after it's been scheduled. Paying off the balance a year early was a nightmare. I have never done business with a company that makes it so difficult to pay them. First they close at 2pm CST. What bank closes at 2pm. I called at 10:30am to pay off my loan and they wanted to charge me $530 more than the balance owed that is shown on my account.

Not bad credit lenders as they state. Don’t fall for their lies on websites. Says they are a debt consolidation loan company but they say you have too much debt. DUH!!! Why do you think I’m here. To make one payment. But with majority 1 star reviews I’m glad I dodged this bullet.

I applied for a $30k loan and was approved, after submitting and re-submitting same documents over and over. Finally I got approved and a DocuSign was sent over from the lending institution with terms of the loan, which I promptly signed. Fast forward 3 months and multiple calls only to be told it's under investigation by their engineers as to why my loan hasn't been funded even after the lending approved the loan and documents were signed. Till this day still no money to be seen and no one can provide me an answer. Happy Money, you can keep that money and shove it where the sun don't shine!!! So fed up with this lender and wouldn't recommend. Sadly I can't give a zero star as a rating.

While the loan we received did help to consolidate a few bills, it is ultimately NOT worth it. This company does NOT process your payment on the date you make it, and sometimes waits a full 5 days before they actually find time in their busy schedules to do so. They say they process next business day, but that has not been our experience.

I needed cash to pay down a loan and researched and found Happy Money. It took 2 weeks from my initial day of applying to get the money in my bank account with only a few simple steps. Amazing customer service with clear and concise documentation of what plans and terms agreed to. Online portal to follow payments. Amazing service.

I applied for a Happy Money loan to consolidate debt accrued during a divorce, getting the payments rolling was important to me because I have other things I need to devote the money too. Happy Money approved me right away, but kept me waiting for the entire waiting period of my loan. My loan expired Sept 20, 2022 and they approved me via e mail on Sept 19 in the afternoon, this is after I had sent numerous e mails asking about the status as well as phone calls to customer service to get the ball rolling. They did nothing.

Happy Money was able to approve my loan application, but when it went to actually getting the documents it never came. I submitted a ticket and called several times and they said they will fix it. 2 week rolled by and nothing changed. I am glad that I was not pressing to get a loan but can only imagine if someone really need one in a timely manner. I urge you to read review on BBB and other sites. They do not have a good track record and I will not be using them.

PAYOFF.COM/HAPPY MONEY is the worst, most terrible, slow, incompetent company on earth. Please don’t do one mistake (I did) of NOT reading the 93 negative complaints on BBB and over 300 complaints against PAYOFF. PLEASE read ALL those complaints BEFORE YOU APPLY. IT WILL SAVE YOU TONNES OF AGGRAVATION. They ask for endless streams of documents and their system keeps rejecting documents because they HAVE TO BE in jpeg or PDF form. BUT NOBODY tells you this until you have wasted one week. They do not read documents carefully but keep repeating “action required“ asking YOU to send more documents even BLANK PAGES OF EACH STATEMENT then they reply they need 3 to 7 days to verify those 2 blank pages. Every time you send a document a NEW agent joins the ENDLESS LAYERS of Payoff agents who DO NOT TALK WITH EACH OTHER.