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.

Happy Money May Make me Happy in future. Happy Money is a big company. I wish I had been approved in a short time, due to incomplete documents and due to my emergency I got approved from different agency, My hope if I can apply in future Thanks for all team best wishes Ali Nour

The team at Happy Money are customer service all stars! From application to payoff of the loan I received the kindest, most conscientious treatment from the team at Happy Money. My sincere gratitude for helping me get through a rough time with debt consolidation. Yay! It's paid off now! A huge shout out to Kasey Moen for amazing customer service!

AVOID HAPPY MONEY AT ALL COSTS! They are predatory, deceptive, and fraudulent. Company refuses to provide arbitration clause and they refuse to engage in arbitration, although they claim it is a part of their contract. They have engaged in deceptive lending practices, switch & bait, and they refuse to provide me with a breakdown of where my payments have went and how they've been applied. Company refuses to answer my correspondence, they refuse to provide me with my entire contract, specifically with the entire section as it pertains to WHO is supposed to pay arbitration fees, and they refuse to adjust my monthly payment to something more manageable. I have also attempted to settle this account and they have basically told me I have to let them ruin my credit i.e. let the account go 60 days late, before they will discuss settlement. I also have reason to believe they are misapplying my payment in retaliation for me filing for arbitration, thus causing nothing to go towards the principle. This company is unethical and a predatory lender. Lastly, I have them on a recording, and in front of a witness last year stating that if they pushed the payment back, it would keep it from reporting "30 days late" on the credit report however they unethically and falsely reported the account as "30 days late" which ruined my credit. They basically deceptively baited me into ruining my own credit score by lying and willfully misstating their intention. I also have screenshots that show the company engages in deceptive and misleading practices because your portal will say "Account current" but then if you scroll down, it will say "Past Due." I regret EVERYTHING about doing business with this predatory lender. I got this loan as a credit improvement tool i.e. a simple way to open a tradeline, but this was a mistake.

This company literally saved me from… This company literally saved me from going homeless after I had fallen deeply into debt but when everyone else said NO, they said YES. I’m forever grateful for what they did for my credit card debt and credit score.