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Happy Money
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Happy Money


Trustpilot Rating

Reviews 172





Entity type

Money Service Business

Client type




United States of America



Employee Count


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Asset ManagementP2PSafeguarding/Custiodian AccountsSavings Account

Total Score

Pricing of the services


Social media presence


Popularity of the service


Onboarding difficulty


Support quality


About Happy Money

Happy Money is a financial tool and service that helps users to save more.


Setup Fee

Monthly Maintenance Fee

SEPA Incoming

SEPA Outgoing

SWIFT Incoming

SWIFT Outgoing

FX Fee


  • USD

    (United States dollar)

Trustpilot reviews


May 2, 2022

Very inefficient manual process

Very inefficient process, no automation. They've been sending emails asking to call them or chat with them every day for almost 2 weeks, when I contacted them daily it always turned out to be "email sent by mistake". At the end they rejected because I'm not a citizen or a green card holder which they could know from day 1. Avoid at all costs, don't damage your excellent credit score!


Apr 29, 2022


PAYOFF.COM / HAPPY MONEY is the worst, most terrible, slow, incompetent company on earth. Please don’t do one mistake ( I did ) of NOT reading the 93 negative complaints on BBB and over 300 complaints against PAYOFF. PLEASE read ALL those complaints BEFORE YOU APPLY IT WILL SAVE YOU TONNES OF AGGRAVATION. They ask for endless streams of documents and their system keeps rejecting documents because they HAVE TO BE in jpeg or PDF form. BUT NOBODY tells you this until you have wasted one week. They do not read documents carefully but keep repeating “ action required “ asking YOU to send more documents even BLANK PAGES OF EACH STATEMENT then they reply they need 3 to 7 days to verify those 2 blank pages. Every time you send a document a NEW agent joins the ENDLESS LAYERS of payoff agents who DO NOT TALK WITH EACH OTHER. To make matters worse For EVERY DOCUMENT their verification team asks for 3 to 7 days to verify and this 3 to 7 days is NOT total time BUT 3 to 7 days for EACH document. so you waste over one month to receive a denial or some other waste of time ' ACTION REQUIRED " PLEASE DO NOT WASTE your time with this useless company. They are probably mining data/ personal information. I AM CONVINCED THIS IS A SCAM COMPANY. RUN AWAY FROM PAYOFF don’t walk and save yourself time. Money and peace of mind. Payoff / happy money is a horrible experience – you have been warned – keep away from payoff /happy money. There are many other loan companies with a 2-day turnaround from start to finish – try OTHERS - I WILL.


Apr 27, 2022

Great Experience

Great rates, great customer support, overall, a great experience!


Apr 24, 2022

Even with a great credit rating

Even with a great credit rating, Happy Money was the only financing company that responded to my request for a debt consolidation loan. They were polite and positive during the whole transaction. I was able to lower my monthly payments and dig myself out of debt. Have patience, you can do it! Thanks Happy Money!


Apr 23, 2022

Excellent in every way

Excellent in every way, except for no real statements on your site.

This process was so easy and fast

This process was so easy and fast. I was given a much more attractive interest rate with no pre-payment penalty.


Apr 22, 2022

Pleasantly Surprised!

I’m pleasantly surprised! The application, approval, and funding process was fast and easy. The interest rates were great. No issues with payments being misapplied or other payment weirdness.

Finscanner is an independent digital platform aiming to provide up-to-date access to worldwide financial services to improve customer experience and boost transactions.

On this page, you can see a detailed review of Happy Money Payment systems with reviews from real users and our experts. Happy Money provides the following services: Asset Management, P2P, Safeguarding/Custiodian Accounts, Savings Account.

At the moment, Happy Money rating on Finscanner is 3.6 and on Trustpilot is 4.6.