Payoff - Overall Rating based on 22 reviews
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Loan process
I absolutely love Happy Monday! Their loan process is super easy and their customer service is amazing. I've actually gotten two loans with them, and both times were a piece of cake. I seriously can't recommend them enough!
Debt consolidation loan
Even though I ended up going with a different company, I have to admit that working with this company and its reps was really great. I was really impressed by how professional and responsive they were. The only thing that bothered me a bit was the APR they offered, it was a bit higher than I would have preferred. But I get it, high APR rates are pretty typical in this industry. Regardless, I would still suggest this company to others.
Money transfer service
I can't believe how bold this company is claiming to be trustworthy when they're clearly not! I gave them all my documents and signed their agreement, and now I've been waiting a whole week for the money to show up in my account. And nothing. When I try to reach out to them, they conveniently ignore all my calls. After reading other people's reviews, I'm completely convinced that this service is just a scam. Avoid them at all costs!
Loan opportunity
In general, I had a good experience with this company. They offered me a loan that was fair and really helped me out. The whole process was easy to follow and I got my money quickly. The only downside was that the interest rate and fees were a little high, so I ended up giving them 3 stars.
Debt consolidation loan
I applied for a debt consolidation loan not too long ago, and I gotta say, the team who helped me out was awesome. They were super friendly and gave me top-notch customer service the whole way through. They made everything easy and straightforward. With their help, I was able to merge all my debts into one and finally get them paid off. Shout out to Kasey Moen for really going the extra mile to make sure everything went smoothly.
Personal loan
I got sucked in because they said they could help fix my credit score, but it turns out they're using shady lending tactics. This company won't be straight with me, won't talk to me, and they're messing up my payments on purpose. They lied about not reporting negative credit stuff and they're using fake ads online. Don't fall for it, this company is a total scam.
Debt consolidation
The debt consolidation service I got really saved me when it came to my money situation. I was having a hard time trying to pay off my credit card debt, especially with those crazy high-interest rates from another credit card company. But thanks to the debt consolidation service, I was able to lower my payments and interest rate. It gave me a breath of fresh air and finally let me start making some real progress in paying off what I owe.
Pre-approval process
I had a great experience with the customer service support I got while getting pre-approved. I chatted with advocate BRIANA and she was super helpful and knew her stuff. Now I'm just waiting on final approval, but everything has been good so far. I liked how respectful and professional the staff was when I had questions. Thanks, and I hope for a speedy approval so I can work with you soon!
Debt payoff
I really like Happy Money because it's fast, easy, and they get things done well. The only thing is you can't pay more than the minimum without having to call them. It's a great option for paying off debt on time and without stressing about late fees or high interest rates.
Online application
I tried to sign up for something on this website, but it totally failed! They promised they would reach out to me within a day or two, but I never got any updates. I even sent them an email to follow up, but they never responded. It's frustrating that they don't seem to have any customer service. Such a pain!
Debt consolidation loan
I was dealing with a bunch of credit card debt and couldn't get a loan from anyone else. But Payoff really came through for me and hooked me up with the help I needed to get a handle on my debt. The customer service was top-notch, the application process was easy peasy, and handling my account has been a breeze. Every time I make a payment, I can see myself getting closer to being debt-free. I definitely suggest Payoff loans to anyone dealing with the same kind of situation.
Debt relief solution
I was actually really close to being homeless because of all this debt I had piled up, but let me tell you, this company totally saved me. Just when it seemed like there was no way out, they came through with a solution that not only got my credit card debt under control but also boosted my credit score big time. I can't thank them enough for guiding me through such a rough patch in my life.
Consumer loan experience
As a person working in finance and someone who's had a few consumer loans before, I gotta say, a lot of companies out there don't have websites that break down loan info very well. It can be hard for customers to keep track of their payments and balances. But let me tell ya, when I tried out this company's loan, I was really impressed. Their service is simple, professional, and accurate. They lay out all the info you need right from the start, no hidden fees or tricky terms. It's a time-saver and gives me peace of mind knowing exactly where my money's headed.
Loan repayment through a financial service
I just finished paying off a loan through a financial service that got bought out by another company. Everything was going smoothly until it was time for the last payment. Even though I confirmed with customer service that June would be the final payment, I was surprised to see a new charge for the same amount on my account the very next day. There wasn't a clear explanation online, but after reaching out to customer service, I found out it was an auto-generated balloon payment for loan maturity. What really bothered me was that this charge was supposed to be my last payment as well. The lack of transparency and not being able to see account details without having to ask specifically for them was frustrating. I'm still waiting on documentation from customer service, and this whole ordeal has left a bad taste in my mouth.
Loan payment system
I had a really annoying experience with the payment system for my loan. When I tried to make my monthly payment, I realized that I couldn't make any extra payments online to pay off the principal faster. This made it hard for me to reduce the amount of interest I would end up paying. If I wanted to make any additional payments or pay more on my loan, I had to send in separate payments by mail. It felt like the company was just trying to make more money off of their customers by making it inconvenient for us.
Loan application experience
My experience applying for a loan was not great. I sent in all the necessary paperwork and paid the fees, but never got the loan or my money back. It was frustrating and worrying, and made me feel like I got scammed. I tried reaching out to them several times but got no reply or help. I reported the fraud and am waiting for more action to be taken. Be careful and don't get caught up in the same situation.
Getting a loan
I tried for ages to get a loan after my parents split up. No one wanted to help me because of my credit, but then I found this one place that didn't even care about it! I can schedule my payments so I don't miss any, which is pretty neat. The interest rate is a bit high, and I wish I could pay every two weeks, but still better than other options I looked into!
Debt consolidation loan
The application process was super easy and fast. I was approved for a loan in just 2 minutes and there were no origination fees. The interest rate they gave me was amazing - it let me consolidate my credit card debt from 23.99% APR to 5.99% APR. Now I'm set to pay off all my debt in just 24 months.
Big company
I was hoping they would approve me sooner, but I ended up going with a different agency. Maybe I'll give it another shot down the road. Huge thanks to the team. Take care, Ali Nour.
Loan experience
This was actually my second time getting a loan from this company, and let me tell you, I was pretty impressed. The whole process was super easy and simple, which I liked a lot. The interest rates were good, and I didn't feel like they were trying to force me into anything like some other loan places I've been to. Overall, it was a good experience and I would definitely think about using their services again down the line.
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