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.

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.

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.

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.

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.