I don’t understand the bad reviews
I read a lot of reviews and don’t understand all the negative ones. I was pretty concerned after reading the predominantly bad reviews but so far Happy Money has been great. The application was super easy and fast, the rate they offered was good and the funds were available/pay offs made within just a few days. Other payoff loans I have used in the past have taken up to a month to complete (while still accruing interest); these ones were done within 3-4 days. I have only now submitted my first payment so that has yet to be determined but it was super easy and straight forward, I was able to add a little extra no problem. Like all my other bills I submitted my payment about a week before the due date just to be safe. I do have a good credit score (mid 700’s) and I think that is maybe the range they are looking at funding. If you have a lower score maybe this is not the right one for you. The only negative, and it’s more of an inconvenience, is that it only linked to a couple of my accounts I was looking at consolidating and I couldn’t find a way to add others so I was only able to have the loan directly payoff 3 accounts and not the one I was trying to take care of (wouldn’t link to Am Ex for some reason). But I just had part of the loan deposited as cash into my bank account and used that to pay off the AmEx myself. Also there does not seem to be an app, just a minor inconvenience. So far I would use Happy Money again.