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Happy Money

Founded Year



Series D - II | Alive

Total Raised




Last Raised

$50M | 10 mos ago

Mosaic Score
The Mosaic Score is an algorithm that measures the overall financial health and market potential of private companies.

+10 points in the past 30 days

About Happy Money

Happy Money delivers digitally-native financial tools and services for people to break up with their credit cards. Its marketplace offers a connected ecosystem of consumer financial products designed to help borrowers pay off debt, save money, and evaluate their spending patterns.

Headquarters Location

1700 Flight Way

Tustin, California, 92782,

United States


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Happy Money's Products & Differentiators

    Happy Money Loans

    Happy Money offers personal loans designed to help people fund their dreams and goals. We connect consumers with low APR loans between $5,000 and $40,000 – funded by Happy Money’s community-focused lending partners. Our flagship product, The Payoff Loan, offers members the chance to pay off their credit card debt faster and more affordably.

Research containing Happy Money

Get data-driven expert analysis from the CB Insights Intelligence Unit.

CB Insights Intelligence Analysts have mentioned Happy Money in 1 CB Insights research brief, most recently on Aug 16, 2021.

Expert Collections containing Happy Money

Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.

Happy Money is included in 8 Expert Collections, including Unicorns- Billion Dollar Startups.


Unicorns- Billion Dollar Startups

1,205 items


Digital Lending

1,711 items

This collection contains companies that provide alternative means for obtaining a loan for personal or business use and companies that provide software to lenders for the application, underwriting, funding or loan collection process.


Credit Union Tech

66 items



2,460 items

Companies and startups in this collection enable consumers, businesses, and governments to pay each other - online and at the physical point-of-sale.


Tech IPO Pipeline

282 items

Track and capture company information and workflow.



7,565 items

US-based companies

Happy Money Patents

Happy Money has filed 1 patent.

The 3 most popular patent topics include:

  • Credit
  • Loans
  • Personal finance
patents chart

Application Date

Grant Date


Related Topics




Personality traits, Credit, Personality, Loans, Personal finance


Application Date


Grant Date



Related Topics

Personality traits, Credit, Personality, Loans, Personal finance



Latest Happy Money News

09:45 EDT Happy Money Named to the 2022 CB Insights' Fintech 250 List

Oct 4, 2022

News provided by Share this article Share this article Happy Money Provides Financial Products and Services to Help Consumers Use Money as a Tool for Happiness ORANGE COUNTY, Calif., Oct. 4, 2022 /PRNewswire/ --  CB Insights today named Happy Money to its fifth-annual Fintech 250 ranking , showcasing the 250 most promising private fintech companies of 2022. Happy Money is a leading technology platform for unsecured lending in partnership with credit unions and other community-focused financial institutions. Building on the momentum of a $50-million Series D-1 capital raise and recognition as a fintech unicorn with a valuation of $1.1 billion, the company is also unlocking new distribution channels for its platform. The company launched a new loan participation platform that will enable lending partners to optimize their balance sheets and is building its Lending-as-a-Service (LaaS) offerings for financial institutions and brands looking to embed finance products and open up new business lines. "We're honored that Happy Money has earned a spot on CB Insights' Fintech 250 list. This accomplishment validates our mission of developing affordable, accessible financial products and services that help people use money as a tool for their happiness," said Jeff Winner, CEO of Happy Money. "Our team's dedication to advancing a happier way of providing credit has resulted in strong growth for Happy Money and our ecosystem of community-focused lending partners as well as positive effects in the lives of our members. We will continue innovating and expanding our tech platform's reach across verticals and business lines as we realize our vision for transforming the lending industry." Happy Money was selected as a Fintech 250 winner from over 12,500 private companies, including applicants and nominees. Winners were chosen from a research team utilizing the CB Insights platform,  based on factors including R&D activity, proprietary Mosaic scores, market potential, business relationships, investor profile, news segment analysis, competitive landscape, team strength and tech novelty. "This year's Fintech 250 winners are shaping the future of financial services, from payments and banking to investing and insurance," said Brian Lee, SVP of CB Insights' Intelligence Unit. "Representing more than 30 countries, these companies are creating safer and more efficient payment methods, and transforming how traditional banking, insurance and investing products are delivered. Together, they not only make financial services more convenient for users, but also make them available to more people, especially traditionally underserved populations around the globe." "Consumers are looking for a happier lending experience – one that makes them and their communities better off," said Winner. "We have helped more than 225,000 members pay off over $4.1 million in credit card debt since our inception. We remain committed to building products and services that serve the best interests of consumers while also delivering results to our partners." About Happy Money Happy Money is a financial technology company valued at over $1.1 billion that offers a people-first lending experience in partnership with credit unions and other community-focused financial institutions. Building on the success of our credit card debt reduction product, The Payoff Loan™, Happy Money also offers personal loans to help people fund their dreams and goals – from important bills to home improvement projects. We believe money can be a tool for happiness; it's all in how you use it. Through automation and proprietary underwriting models, we personalize the lending process, taking a more holistic view of an individual's creditworthiness to offer flexible rates and payment plans that work best for their unique financial situation. Through our proprietary distribution channels and platforms, we aim to connect our financial partners to be stronger together, help them thrive in an increasingly digital world, and enable them to provide the happier lending experience that their customers want. Backed by leading investors, Happy Money has helped more than 280,000 members since inception – working with lending partners to fund $5.1 billion in loans*. As a fully distributed company, Happy Money hires passionate, purpose-driven talent across the United States. For more information, please visit . About CB Insights CB Insights builds software that enables the world's best companies to discover, understand, and make technology decisions with confidence. By marrying data, expert insights, and work management tools, clients manage their end-to-end technology decision-making process on CB Insights. To learn more, please visit . SOURCE Happy Money

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Happy Money Frequently Asked Questions (FAQ)

  • When was Happy Money founded?

    Happy Money was founded in 2009.

  • Where is Happy Money's headquarters?

    Happy Money's headquarters is located at 1700 Flight Way, Tustin.

  • What is Happy Money's latest funding round?

    Happy Money's latest funding round is Series D - II.

  • How much did Happy Money raise?

    Happy Money raised a total of $444.63M.

  • Who are the investors of Happy Money?

    Investors of Happy Money include Anthemis, CMFG Ventures, Paycheck Protection Program, Mohamed El-Erian, Joe Saunders and 10 more.

  • Who are Happy Money's competitors?

    Competitors of Happy Money include Upgrade, SoFi, Upstart,, Qapital and 9 more.

  • What products does Happy Money offer?

    Happy Money's products include Happy Money Loans.

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Branch International develops a mobile application that allows users to access credit in emerging markets. With the explicit permission of customers, the application analyzes smartphone data to determine loan eligibility.

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Tala, through its mobile app, gathers discrete data points of customers to build a financial identity and deliver instant credit.

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Kissht is a financial technology platform that enables instant, seamless credit for consumers to make purchases at digital points of sale (online and offline). Its plug and play gateway APIs can be easily integrated into any merchant checkout page or retail POS for providing access to quick loan. Kissht was founded in 2015 and is based in Mumbai, India.

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Fair is an auto lending startup that provides users with a personalized monthly payment range based on their finances, then shows all cars within the user's budget. A user can drive the car for as long as they want, and can trade up, try a new vehicle, or walk away at any time.

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auxmoney offers a credit marketplace in Continental Europe where private and institutional investors directly invest in approved borrowers of different score classes. Avoiding the bank as an intermediary, auxmoney can make more favorable loans available to more people, while enabling investors to benefit from attractive risk-adjusted returns. The company was founded in 2007 and is based in Dusseldorf, Germany.

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