Is Happy Money legit?

Do you want to know if the personal loan company Happy Money is legit? At Responsible Economy, we provide you with all the information about this company so you can see for yourself that Happy Money is legit. Let’s get started!

What is Happy Money?

Happy Money is a financial intermediary. This means that it does not directly lend money, but rather facilitates loans through the lenders it works with.

It’s important to highlight that Happy Money is not a lender, which means it cannot lend you money directly. Happy Money is connected to various lenders, and these lenders will ultimately approve or deny your loan application.


To determine the legitimacy of something, it’s important to consider what customers and users are saying. To do this, we’ve looked at reviews on Google and Trustpilot for Happy Money. On Trustpilot, Happy Money has 400 reviews with an average rating of 4.1 out of 5, and on Google Reviews, it has a rating of 4.6 out of 5 based on 100 reviews. The initial conclusion we can draw is that Happy Money’s users are satisfied with the service they receive.

Length of seniority

The length of seniority is crucial in legitimizing a company, as scams often have a short lifespan. Happy Money was established in the year 2009, surpassing over 14 years since its inception. This is another reason to believe in the legitimacy of this company.


Having the relevant licenses in each state is of utmost importance. Happy Money provides us with information about the financial licenses it holds in each state. Here’s a link to all the licenses. This is yet another reason to trust Happy Money.

Number of workers

LinkedIn is the premier professional networking platform. Through LinkedIn, we can see that more than 400 employees work at Happy Money.


In essence, Happy Money functions as a financial intermediary, streamlining loans through collaborating lenders rather than lending directly. The absence of direct lending clarifies that it won’t provide loans itself. User reviews on platforms like Trustpilot and Google reflect contentment with Happy Money’s service. With a solid 14-year history since its establishment in 2009, Happy Money’s longevity adds to its credibility, a quality often absent in scams. The company’s possession of relevant state licenses further underscores its legitimacy. Notably, LinkedIn showcases a workforce of over 400 employees, reinforcing confidence in Happy Money’s operations.

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Updated the day 1 September, 2023 by Alfredo Barandiarán

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