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.

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.

Website doesn't seem to work and in… Website doesn't seem to work and in general they are not responsive. Applied for something through their website and it said I'd heard back in 24-48 hours but never heard back ever. Emailed them to follow up and never heard back either. I'm sure they're busy but it would be good if their website worked and if they had customer service.

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.

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.