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.

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.

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.

I have been trying to make a loan for a… I have been trying to make a loan for a very long time after my divorce but none of these lenders would trust me because of my credit score, but with Happy Money, my credit score did not even matters and the fact they trusted me that really matters. So I set up my payment automatically so I won’t miss any payments. Though the interest is high and I don’t like how I can’t pay the loan bi-monthly to make it lower payments every paycheck, still I would choose this loan company than others.

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.