How will the Payoff Loan™ appear on my credit report? November 09, 2021 17:51 Updated The Payoff Loan will appear on your credit report as an unsecured personal installment loan from Happy Money, Inc. Related articles Does Happy Money® report to the credit bureaus? Why should I take out a Payoff Loan™ versus just paying more than the minimum payment on my credit cards? How are the Payoff Loan™ funds deposited? How is a Payoff Loan™ different from debt settlement? What's the difference between APR and Interest Rate?