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.

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!

I cant remember how I get onto Happy… I cant remember how I get onto Happy Money site. My application experience was smooth and quick. I was able to get my loan approved within 2 minutes without an origination fees. That was a catch for me. The interest rate that I received was awesome too. I was able to consolidate my credit cards from 23.99% APR to just 5.99% APR and I will be able to finish my payments within 24 months.

Happy Money is AWESOME but.... Happy Money is AWESOME. They are fast, proficient, and very easy to apply. My only downside is not been able to pay more than the minimum without calling. Other than that it is a great way to payoff debt timely and efficiently without worrying about late fees or high interest.

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.