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  1. Member Experience
  2. Payoff Loan™
  3. Applying for the Payoff Loan™

Applying for the Payoff Loan™

Requirements, past trouble, how long does it take

  • Happy Money® is not available in my state. Will it be available soon?
  • Should I include my spouse or partner's income when filling out the Payoff Loan™ application?
  • When applying, I see multiple Payoff Loan™ offers to choose from. Which one is right for me?
  • How long are my rates good for?
  • Can I finish my application later?
  • Why do I have 30-days to finish my application?
  • What additional information may Happy Money® require during my application?
  • I am trying to upload my documents but it isn't working. What do I do?
  • Where can I find my account and routing numbers to fund my Payoff Loan™?
  • Why do I have to verify my information?
  • How do I verify my identity with Happy Money®?
  • How do I verify my bank account with Happy Money®?
Member Experience