Website doesn't seem to work and in… Website doesn't seem to work and in general they are not responsive. Applied for something through their website and it said I'd heard back in 24-48 hours but never heard back ever. Emailed them to follow up and never heard back either. I'm sure they're busy but it would be good if their website worked and if they had customer service.

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

Second loan w/ Happy Money and Love it This is my second loan with Happy Money and I have loved the experience both times. They make the process easy, they have competitive rate and best of all they don't pressure you or seem as pushy as other loan companies.

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.