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Founded Year



Series E | Alive

Total Raised


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

+200 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



Happy Money's Product Videos

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 7 Expert Collections, including Unicorns- Billion Dollar Startups.


Unicorns- Billion Dollar Startups

1,228 items


Digital Lending

2,171 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



2,780 items

Companies in this collection provide technology that enables consumers and businesses to pay, collect, automate, and settle transfers of currency, both online and at the physical point-of-sale.


Tech IPO Pipeline

282 items

Track and capture company information and workflow.



8,123 items

Companies and startups in this collection provide technology to streamline, improve, and transform financial services, products, and operations for individuals and businesses.

Happy Money Patents

Happy Money has filed 5 patents.

The 3 most popular patent topics include:

  • credit
  • facebook
  • facebook employees
patents chart

Application Date

Grant Date


Related Topics




Facebook employees, Facebook, Virtual assistants, Social networking services,


Application Date


Grant Date



Related Topics

Facebook employees, Facebook, Virtual assistants, Social networking services,



Latest Happy Money News

Happy Money Raises Further Funding

Nov 19, 2023

Happy Money , a Torrance, CA-based platform for unsecured lending in partnership with credit unions, received an investment of undisclosed amount. TruStage Ventures and other major institutional investors participated in the funding. The transaction is expected to close by end of year 2023 subject to regulatory approvals. The company intends to use the funds to grow and advance its mission. Led by Joe Heck, CEO, Happy Money partners with credit unions to offer consumers the money they need to achieve their goals while simultaneously helping those credit unions achieve scale and connectivity. Through its platform, the company delivers lending solutions, high-performing assets, and national reach to help credit unions strengthen their balance sheets and accelerate growth. In addition to financial and strategic backing, TruStage’s national sales team will bolster efforts to bring Happy Money’s technology platform and lending capabilities to more credit unions nationwide. Happy Money has helped over 300,000 members since inception – working with community-focused lending partners to fund more than $6 billion in loans. The company has an employee base of over 200 people across the United States. FinSMEs

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 E.

  • 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 TruStage Ventures, Anthemis, CMFG Ventures, Paycheck Protection Program, Joe Saunders and 11 more.

  • Who are Happy Money's competitors?

    Competitors of Happy Money include Upgrade, SoFi, Upstart,, Qapital and 7 more.

  • What products does Happy Money offer?

    Happy Money's products include Happy Money Loans.


Compare Happy Money to Competitors

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LendKey matches consumers with community banks and credit unions to create online lending options using its cloud-based technology. It offers demand generation solutions, online decision-making and loan origination engines, loan servicing, compliance expertise, and proprietary balance sheet options. The company was founded in 2009 and is based in Cincinnati, Ohio.

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Prodigy Finance

Prodigy Finance provides a global lending platform. Its international network of investors fund graduate loans for students from different countries, through a borderless model that prizes potential over geography. It was founded in 2007 and is based in London, U.K.

The Social Loan Company

The Social Loan Company is a mission-driven venture builder firm operating in the financial sector. The company's main service is to democratize credit and banking, making it more accessible and fair for underserved digital natives in emerging and frontier markets, primarily through the use of Artificial Intelligence/Machine Learning and behavioural sciences powered technology. The company primarily serves the financial sector in emerging markets. It was founded in 2016 and is based in Singapore.

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