Happy Money Reviews

Ever since the last few recent updates it has taken the ability for me to pay my loan off HappyMoney completely. So HappyMoney is pretty much worthless for anything since there is nowhere to pay. Please fix this issue. I have tried uninstalling and reinstalling HappyMoney and it doesn’t correct anything.

So this company says they will get you approved no matter what your credit is but that’s not true.. I was trying to get this loan to payoff all my debt so I only had to deal with one payment instead of multiple payments: but as I can see all companies always say one thing and the bottom line is that they all same being untruthful

I got HappyMoney a few months ago and it worked great. Linked it to my bank and made my loan payments through HappyMoney . Last month I scheduled the payment but it never took it from my bank and I had to email customer service to get my payment processed. This month the ability to make a payment on my loan is no longer in HappyMoney . Which makes it pretty useless.

The aesthetics continue to be clean and engaging but that’s the only thing HappyMoney gets right. When I first used it, I made my payment via app and spent the next several weeks receiving notifications from the company that my account was past due. Each time, I logged in to the website, saw my payment had posted and just assumed HappyMoney and the account weren’t exchanging information correctly.
This past month I began to send extra payments for my account. It lowered my next month’s payment so now HappyMoney thinks that my account is up to date and won’t let me pay, even though I still have a balance due for the current month.
Again, besides how HappyMoney looks, I’ve never had such a frustrating experience with managing a financial account.

HappyMoney is nice to have on my phone, but lacks simple functionality that should already be built in like automatically logging me in after saving my credentials. It asked me to setup FaceID, but I still have to enter in my login information right after every single time. Not having an option to pay more than the minimum payment is something that was lacking on their site, and still isn’t available on HappyMoney . Having to call to pay more on my loan is quite the hassle. Not sure if the lack of an addition amount is a Happy Money issue, but it’d be great to have. Also, my payment history always appears out of order instead of by month, it scared me the other day when I went to double check to see if I hadn’t paid my loan yet and didn’t see it right away.

Not sure what the problem is, but HappyMoney and website are not up to date with my payment history and nothing has updated in two months. I called and confirmed that my payments did go through (I do autopay) but I should be able to see this updated information on my account on HappyMoney or website. Quality of service has diminished since I took out this loan. Not sure if they are cutting corners or something, but I won’t be recommending this company to a friend. The rates and clarity at my credit union are better.

They don’t let you update your payment method until after the first payment. So, whatever account you used to receive the funds must also be used to make the first payment. This isn’t even a legal requirement: it’s an artificial problem where they don’t have it set up in a way to allow for a better experience. SoFi even acknowledges that account holders might need to use different methods for receiving funds and making payments. Be better, Happy Money.

Glad to see Happy money app for managing my loan. App is attractive. However HappyMoney clearly is not yet done being built out. When viewing payment history I see no break down of interest and principal payments. Only the Total principal and interste paid loan to date are available in HappyMoney . App does not show origination or scheduled payoff date. When viewing loan docs, pinch and zoom, scroll, do not work properly to actualy zoom in and read the documents. I had to take screen shots in order to read any of the document. These issues are are the most current version of IOS 15.2, and the iphone 12 pro.

Nothing frustrates me more than a company that makes it difficult for me to pay them. I mean, companies provide services for the sole purpose of getting paid for providing that service … why make it difficult for people to pay you?! I opened an account with Wealthfront (easy to find on HappyMoney Store) but Happy Money flat out refuses to recognize them as a bank. Everyone else is more than happy to ACH debit that account with the provided routing/account numbers, but Happy Money is like “nah, we don’t want your money from there”. So I’ve had to open a second account JUST for the purpose of paying Happy Money.

App is borderline useless. It’s good for seeing your up to date balance but that’s it. I’m constantly getting force closes and when it does it never saves my Face ID. HappyMoney is a great concept but very limited. Just use a bookmark on your favorite iOS browser and use that instead.

The dashboard shows the total amount that I’ve paid on the dashboard and lists it as ‘remaining principle balance’ instead of actually showing my outstanding balance.

The main issue I have with HappyMoney is the login process. I set up Face ID, which is supposed to negate the need to manually type out your login information. For some reason, HappyMoney makes me do both. An app is supposed to save you time and create ease of access, not add to it. (Note: I’ve tried to delete and redownload HappyMoney to see if the problem goes away which didn’t work. If anyone has any remedy for this, please share!

Otherwise, it’s a decent app but the login process absolutely kills it for me.

I think the layout and everything is good. It’s definitely easy to pay your loan. The only one MAJOR request I have is to allow payers to change the payment amount. If I want to pay more than once a month, as in, split my payments, I have to call in to do so. Had I known that, I would not have gone with Happy Money as my provider. It’s such a simple thing to program into HappyMoney and yet such an annoyance that it would have been a deal breaker for me.

I love that we finally get an app. HappyMoney looks amazing by the way. The only issue is the login. I logged in the first time and it asked if I wanted to use Face ID after that. I said yes and it was done. Whenever I close HappyMoney though, if I reopen it, it will do my Face ID scan, then it will just go to the login screen where I have to login again. This happens every single time, so the Face ID thing is pretty much useless.

Every time I go in to try to make this months payment and click the payment button I get a white screen. Very frustrating … app was working perfectly last month!

Please at least add the ability to pay additional payments on top of scheduled payments. Being locked to only autopay or manual pay makes no sense.

I've used HappyMoney for over 2 years and I can't recall iflt ever having problems. Face ID works and it shows my loan progress. Lots of negative reviews but I'm very happy with it, personally. Thank you for the simple interface to track my loan and payments!

I really like the design style.. it’s not cold and unpersonalized like other banking and finance apps. I also like that it shows how my payment is broken down into principal and interest amounts.

I’ve been an user since their TestFlight and was a big fan of their payment options. Would like if we could refinance and if their services tethered to Plaid to connect to fintech like CoPilot.

I’ve been waiting for HappyMoney for the longest! And HappyMoney looks amazing! For it being their first app, it’s better than all my other banking apps. It’s very user friendly.
I love happy money, they’ve honestly helped me so much, helped me clear my credit card debt & gave me an amazing rate on my loan. The customer service was also great in answering all my questions.. all good things is what I have to say about this company. I’m glad I found them when I did. Gave me huge relief on my debt. Highly recommended!