Happy Money

Happy Money is a financial technology company dedicated to providing affordable and accessible consumer financial products. Its mission is to create alternatives to traditional lending by offering responsible lending solutions that help borrowers pay off high-interest credit card debt more efficiently. The company has served over 300,000 members and originated more than $6 billion in loans. The company offers personal loans, including its flagship Payoff™ Loan Product, which helps consumers eliminate credit card debt through fixed-rate installment loans. Happy Money partners with credit unions and financial institutions to reach underserved borrowers, utilizing innovative technology and science-backed underwriting models to personalize loan options. Recognized as the Best Consumer Lending Company in 2025 by FinTech Breakthrough, Happy Money focuses on financial wellness and empowering consumers to manage their debt effectively.