Happy Money Reviews

Formerly Payoff

1.7

11 reviews

5
18%
4
0%
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Updated Jun. 05, 2026

By: Lorraine Roberte

+1 more

Edited by: Vincent Landino

About Happy Money

Happy Money works with community-based lending partners to offer personal loans. With one of its Payoff Loans, you can combine multiple credit card balances and repay them as a single fixed monthly payment. You can borrow between $5,000 and $40,000 with an APR between 5.99% and 24.99%. To be approved for a Payoff Loan, you need to have a 550 FICO Score or higher and no current credit delinquencies.

Pros

Can save you money on interest
Relatively low credit score minimum
No prepayment or late fees

Cons

Requires 3+ years of credit history
Loans not available in MA or NV

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JamileeKissimmee, FL

PriceBillingLoan Process

Reviewed Oct. 24, 2020

I wanted to consolidate about $14,000 worth of debt and looked into which companies had the best reviews. I decided to talk to Payoff and got a 2 year loan at about 10.99% which is a little higher than I wanted but much better than the credit card apr. They auto deduct the monthly amount on the 15th and everything's been super easy since. I'm now 6 months away from being fully paid off and I couldn't recommended these guys more highly. They are not predatory lenders and they will not steer you into debt consolidation. This is a personal loan that you will pay off your debt with and you will keep your credit cards open if you so desire. Also when covid happened they deferred my payment for a month when I lost my job and offered to extend again if need be. It's been a really great experience start to finish and I will most likely use them again.

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Happy Money Company Information

Company Name:: Happy Money
Formerly Named:: Payoff
Website:: happymoney.com