Went for a Loan they sent me paperwork… Went for a Loan they sent me paperwork to sign, said that I had to pay£249 to cover insurance and paperwork, which I did did not receive loan or get my money back it's a TOTAL SCAM BE AWARE OF THIS SETUP they trade under H M F someone called Liam Starr(fraudster). They never answer phone now have reported them, waiting for the outcome. DON'T USE THESE PEOPLE BE AWARE!!

This so called happy money should not… This so called happy money should not be on trustpoliot there take all you documents and I had signed there argument. And there said that the money will be in my account within 2 hours its been week now and when you try to call them there dont respond to your call. I had my doubts about this company. Read all the comments I am beging to think there are notting but scammer. Dont trust them keep away from happy money know as hm

I do not like the payment system I do not like the payment system. When making your monthly payment, you are unable to make any additional principal payment(s) towards your loan online. Your only option is to make the normal monthly payment, nothing more. Additionally, if you would like to pay more towards your loan or make another payment during the month/separately you must mail in those said payments. That shows me they are making it more difficult for you to paydown your loan quicker....leading to more interest they can collect.

I've had good interactions with this… I've had good interactions with this company. They provided a loan opportunity that although was a bit pricey, was fair and certainly helped me in my situation. The only reason I gave a 3 star rating is the interest rate and origination costs. It was all clearly explained throughout the process and my loan was deposited very quickly. Overall my experience has been all positive with this company.

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.