What is Happy Money? Happy Money Review, Features

Happy Money provides loans to customers to pay off their credit card debts.

About Happy Money

Happy Money, formerly known as Payoff, is headquartered in California and provides loans to customers to pay off their credit card debt. Its initial business model included social media, gamification, behavioral science and an online expense tracking portal to help consumers manage and pay off their credit card debts, but it gradually moved away from social media and personal finance gamification initiatives to focus more on actively driving consumers to pay off their debts.

Happy Money's Mission

Happy Money's mission is to develop and provide affordable, accessible financial tools and services that empower people to use money as a tool for happiness.

Service Content

Happy Money offers credit card consolidation loans ranging from $5,000 to $40,000. These loans are designed to help consumers pay off their credit card debt quickly, with a minimum annual percentage rate (APR) of around 6%. The platform enables borrowers to improve their credit scores through a holistic approval process and ongoing credit support.