Happy Money

At Happy Money, we are all about helping people fund their happiness.
While were at it, we figured we could help make your life a little easierstarting with a more convenient way to manage your loan!
The Happy Money mobile app makes it easy for you to pay your bill, celebrate your achievements, manage your account, and moreanywhere and anytime you need to.
Use fingerprint or face recognition to log in quickly & securely and set up push notifications to never miss anything important.
Its the best way to manage your loan on the go!
Please note: This app is for existing Payoff members to manage their account.
To learn more about personal loans by Happy Money, please visit happymoney.com/payoff-loan!
LOAN RATES
We offer fixed rates between 5.99% APR and 24.99% APR.
LOAN AMOUNT AND TERMS
Choose a loan amount between $5,000 and $40,000 and select the term, between 2 and 5 years, that works best for you.
ORIGINATION FEE
The origination fee helps us cover the costs on our end.
In an effort to be transparent, we dont hide our origination fee bundled inside your loan.
Its the only fee associated with the Payoff Loan and is charged only once, when your loan is issued.
Our Origination Fees range between 0% and 5%.
Your repayment terms will depend on your APR and loan term.
Example: A loan of $16,000 at 10.99% APR will have a monthly payment of $413 for 48 months for a total repayment of $19,824.
WEVE ELIMINATED COMMON FEES
We dont like when were charged fees that only serve company profits and not people.
So weve eliminated them at Payoff.
- No application fees
- No early or extra payment fees
- No late fees
- No check processing fees
- No returned check fees
- No annual fees
Minimum loan amount in NM is $5,100 and in MD is $6,100.
Rates depicted are accurate as of December 03, 2021
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