Loan originated through Payoff Loan originated through Payoff, which was later aquired by Happy Money. The loan was taken out 36 months ago, which meant that June was the last payment owed. I verified that through customer service. The day after the final payment was due, a new charge in the exact amount shows up on the account. There is no explanation on-line, but the customer service rep says it is an auto generated balloon payment for loan maturity. The charge is the exact same as what their rep told me was the FINAL payment. Stay clear, not enough transparency, no account detail available without a special request. Still waiting on docs from customer service.

They kind of saved my finances They kind of saved my finances! I was paying 25% interest with discover and even with paying more than minimum it wasn’t making a dent. By consolidating my debt I was able to get a lower payment and rate and finally get some breathing room.

The best! I can’t say enough positive things about Happy Monday/Payoff. I’m on my second loan with them and both have been super easy processes from start to finish. Not to mention their customer service is quite possibly the best I’ve ever experienced! I’ve referred multiple friends and will continue to recommend them.

I wa svery happy with customer service… I wa svery happy with customer service support I gott my pre approval right way thru chat with advocate BRIANA very helpful now I'm waiting in final approval butt let's see. Start is very respectful thank you guys I hope I'm getting approved in couple of days and work with you

Easiest Loan to Understand This was the most easiest loan to get possible. It fit my financial lifestyle to pay it back on a conservative payment plan and I didn't feel like I was living paycheck to paycheck to get it paid off. I had some wiggle room to make extra payments if I wanted to. There is always a quick response on emails as well as phone calls. Plus everyone I have talked to is simply amazing, friendly, patient and does not rush you on the phone.