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          Happy Money, Inc. has 1 locations, listed below.

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            Business ProfileHappy Money, Inc.

            Loan Originator
            BBB accredited business

            Contact Information

            Torrance, CA 90503-6512

            Visit Website
            (800) 878-0901

            Business hours

            6:00 AM - 2:30 PM
            Business Hours
            6:00 AM - 6:00 PM
            6:00 AM - 6:00 PM
            6:00 AM - 6:00 PM
            6:00 AM - 6:00 PM
            6:00 AM - 6:00 PM
            6:00 AM - 2:30 PM

            Want a quote from this business?

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            Customer Reviews

            1.62/5

            Average of 34 Customer Reviews

            Read ReviewsStart a Review

            Customer Complaints

            56 complaints closed in last 3 years

            17 complaints closed in last 12 months

            Read ComplaintsFile a Complaint

            BBB Rating & Accreditation

            BBB accredited businessA+

            Accredited Since: 5/18/2022

            Years in Business: 15

            Customer Reviews are not used in the calculation of BBB Rating

            Overview of BBB Rating

            Related Categories

            Overview

            Happy Money is a financial technology company that believes money can be a tool for happiness. We aim to make personal loans a happier experience and help our members achieve their goals.

            Products & Services

            Our first product, The Payoff Loan™, is designed to help members lower and eliminate their credit card balances.

            Business Details

            Location of This Business
            Torrance, CA 90503-6512
            BBB File Opened:
            5/16/2022
            Years in Business:
            15
            Business Started:
            3/9/2009
            Business Started Locally:
            3/9/2009
            Business Incorporated:
            1/1/2012
            Accredited Since:
            5/18/2022
            Licensing Information:
            This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.
            BBB records show a license number of 3439719 for this business, issued by Secretary of State-Corporations

            These agencies may include:

            Secretary of State-Corporations

            1500 11th Street

            Sacramento CA 95814

            (916) 653-6814

            https://businesssearch.sos.ca.gov/

            Type of Entity:
            Corporation
            Hours of Operation

            Primary

            M:
            6:00 AM - 6:00 PM
            T:
            6:00 AM - 6:00 PM
            W:
            6:00 AM - 6:00 PM
            Th:
            6:00 AM - 6:00 PM
            F:
            6:00 AM - 6:00 PM
            Sa:
            6:00 AM - 2:30 PM
            Business Management
            • Mr. Joe Heck, CEO/Owner
            Contact Information

            Principal

            • Mr. Joe Heck, CEO/Owner

            Customer Contact

            • Mr. Joe Heck, CEO/Owner
            Additional Contact Information

            Email Addresses

            Read More Business Details and See Alerts

            Customer Complaints

            57 Customer Complaints

            Need to file a complaint? BBB is here to help. We'll guide you through the process. How BBB Processes Complaints and Reviews

            File a Complaint

            Most Recent Customer Complaint

            12/02/2022

            Complaint Type:
            Product Issues
            Status:
            Answered
            I applied to skip a payment with my loan holder. I received a signed modification agreement saying there was no payment due in November and to resume payments December 17th 2022. However I kept getting late notices and so I reached out to the company by email. I was told my request was denied, however I have a signed agreement. I then contacted them by chat. They made me wait for over an hour giving me the run around. I was told it was an error and they wouldn't honor the agreement. They had told me in a previous conversation on chat that they lost documents and would have their engineers notified. I have the modification agreement signed by myself and their company. I have tried talking to several people there and I'm not getting anywhere with them. I just want our modification agreement upheld. I have attached the loan modification agreement. I also have screenshots from my last chat with them if needed.
            Read More
            Read 56 More Complaints

            Customer Reviews

            34 Customer Reviews

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            How BBB Processes Complaints and Reviews

            Start a Review

            Most Recent Customer Review

            Jason P

            06/13/2024

            Impossible to get a live person on the phone. Then, once you pay the account off, they stop reporting ANY activity and refuse to report the account paid in full. I would advise you to never use this company. I'm on the phone with a guy now telling me it could take an additional month or two to show paid in full. I told him I have 26 other accounts that all show paid. They even stopped reporting my payments! LOL What a scam! Never again, Sad Money!
            Read 33 More Customer Reviews

            Local BBB

            BBB of Los Angeles & Silicon Valley

            More Info on Local BBB

            BBB Reports On

            BBB reports on known marketplace practices.

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