# Happy Money — user reviews

> 50 indexed App Store user reviews of Happy Money by Happy Money, Inc., rated 1.80/5 from 5 ratings.

- Source: https://appshunter.io/ios/app/happy-money/id1554935432/reviews
- App overview in markdown: https://appshunter.io/ios/app/happy-money/id1554935432.md
- Rating breakdown: 5★ 1 · 4★ 0 · 3★ 0 · 2★ 0 · 1★ 4

## Newest reviews (16 of 50)

### 2/5 — Works sometimes

*2025-07-08, version 1.66.0*

It works sometimes, generally don't trust what it shows you as numbers lag for weeks. Now I'm just about paid off and it keeps telling me to update the app before I can log in, but the app is up to date, so I can't log in.

### 2/5 — Needs Work

*2024-12-30*

Not sure what the problem is, but the app 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 the app 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.

**Developer response:** Thank you for posting a review and we’re sorry to hear about your experience. The latest update of the app should fix this issue. We hope this addresses your concerns! If you have additional questions, please feel free to contact our team at support@happymoney.com or 1-800-878-090, Monday-Friday between 6:00 am - 2:30 pm (PT) / 9:00 am - 5:30 pm (ET).

### 2/5 — Junk

*2023-06-30, version 1.19.1*

This app would be great, if it actually worked. DO NOT rely on this app to be accurate on your due date or payment history. It will usually not be correct. Great concept but doesn’t provide anything

### 2/5 — JUST TAKE MY MONEY

*2023-05-12*

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 the App 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.

**Developer response:** We're sorry to hear your experience this far has not been exactly what you were hoping for. If there is anything we can assist you with or do to enhance your experience, please let us know. You can reach us at 1-800-878-0901, Mon-Fri 6AM-6PM (PT) and Sat 6AM-2:30PM (PT). Aside from calling our Member Success team, you can reach us by email at success@happymoney.com.

### 3/5 — Bad text label bug

*2023-03-25, version 1.16.0*

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.

### 2/5 — why so bad tho?

*2023-03-24, version 1.16.0*

Why is this app so bad? Since the last update I can’t even make a payment and had to login to the website to do so? Can’t make the notifications go away. There’s just a whole blank spot of swipeable nothingness at the bottom? weirdness.

### 2/5 — Happy Money’s Interface is TRASH

*2023-03-06, version 1.13.3*

This app has so many bugs it’s actually crazy. The screenshots you see in the App Store simply is not how it looks. The sad part: the website is worse.

### 3/5 — Can’t log in from app

*2023-02-27, version 1.13.3*

For some reason, it won’t let me log in from the app. I am able to log in pulling it up online.

### 1/5 — Absolute Garbage

*2022-10-01*

The aesthetics continue to be clean and engaging but that’s the only thing this app 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 the app 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 the app 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 the app looks, I’ve never had such a frustrating experience with managing a financial account.

**Developer response:** Hi there, thank you for letting us know about this issue! Our team is actively working on fixing this. In the meantime, please keep an eye on release notes for the next build. If you are still having problems, feel free to contact our Member Experience team at 1-800-878-090, Monday - Friday from 6 AM - 6 PM (PST) and Saturday - Sunday from 6 AM - 3 PM (PST) or by email at success@happymoney.com.

### 1/5 — Worst than a garbage bag

*2022-09-22, version 1.11.0*

I rather file bankruptcy before i use these useless people service ever again!!!

### 2/5 — Face ID useless

*2022-08-13, version 1.10.1*

App hasn’t worked in over a month. Are they even trying to fix it?

### 1/5 — Not working for me

*2022-08-06, version 1.10.1*

Same thing another reviewer said…can’t make payments. The screen goes white. That’s the main reason I downloaded the app.

### 2/5 — Payment-Method Nonsense

*2022-07-23*

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.

**Developer response:** Thank you for letting us know about this issue! Our team is actively working on fixing this. In the meantime, please keep an eye on release notes for the next build. If you are still having problems, feel free to contact our Member Experience team at 1-800-878-090, Monday - Friday from 6 AM - 6 PM (PST) and Saturday - Sunday from 6 AM - 3 PM (PST) or by email at success@happymoney.com

### 1/5 — Forced missed payment

*2022-07-13*

I received a generic text saying my payment date was coming up. But, according to the app, my payments were up to date. I usually pay as early as possible, so well before the due date, so it'd been a while since my last payment...I count on the app to help me keep track. Also, there was no option to make a payment (as per usual, as others have noted, if you've covered your monthly, you have to call to pay additional). Now...the app says I'm behind on payments...while also saying my account is up to date!! It's generating the "Your payment has posted. You're all set!" bubble with the balloons and confetti nonsense, while also at the bottom of the page stating that my bill is past due! This is after refreshing and letting it 'sync my account' several times (which apparently it has to do every time I switch between apps, which is another issue...). This is unacceptable. The app is broken in a way that guides users to make late payments. It's not transparent about when your payment date is until it has passed, so at least you can tell something may be wrong, which feels predatory. Among many other issues with UI/UX noted by other reviewers, this feels like another instance of the app experience setting people, who are trying to get their financial lives in order, up for failure.

*Note* - I just wrote this right before updating the app to the lastest version, which dropped yesterday apparently. I've now updated...the issue persists. Just use the website for now, yall, this is a mess.

**Developer response:** Hi Curtis, thank you for posting a review and we’re sorry to hear about your experience. Please feel free to contact our support team at 1-800-878-0901, Monday - Friday from 6 AM - 6 PM (PST) and Saturday - Sunday from 6 AM - 3 PM (PST) for assistance.

### 1/5 — App never works

*2022-06-28, version 1.10.0*

I always have to uninstall and reinstall this app. Idk what’s wrong with it but I always get the same error to use the site instead

### 2/5 — Borderline useless

*2022-06-21, version 1.9.1*

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.  The app is a great concept but very limited. Just use a bookmark on your favorite iOS browser and use that instead.

## Most critical reviews (10 lowest-rated)

### 1/5 — Likely scam

*2025-10-12*

Needs a lot of info from you but won’t give you a loan that was pre-approved for you.

**Developer response:** We're sorry to hear that your experience did not meet your expectations. We will often send “Pre-Approved” offers to people who meet our initial credit criteria. However, upon initiation of the application, if their information differs from the information used during our pre-approval process, or if they are unable to meet our full criteria at that point in time, we may not be able to approve their application. If you have questions about the process, please feel free to call our support team at 1-800-878-0901, Monday - Friday between 6:00 am - 2:30 pm (PT) / 9:00 am - 5:30 pm (ET).

### 1/5 — Can’t even access the app

*2025-09-17*

Let’s me sign in on the website but not the app. Tried day after day with the same outcome. Makes zero sense.

**Developer response:** Hi there, thanks for your feedback. Please update to the latest version of the app, as it may address your concerns. However, if that doesn't work, please contact our team at support@happymoney.com or 1-800-878-090, Monday-Friday between 6:00 am - 2:30 pm (PT) / 9:00 am - 5:30 pm (ET)

### 1/5 — Super glitchy

*2025-07-08, version 1.66.0*

I swear everytime I get on this app it’s a new glitch or issue. Now when I go to open it, it tells me to update yet there is no update available. I even deleted the app, redownloaded it and it still acts like that. Hard to pay the bill when your app don’t work.

### 1/5 — Not as good as they portrayed themselves

*2024-11-06, version 1.49.1*

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

### 1/5 — Frustrating App

*2024-07-31, version 1.42.0*

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

### 1/5 — Paying off loan is a joke

*2023-10-27, version 1.23.0*

I got the payment amount to pay it off. I get the animations saying great job and balloons. I log in a few days later to see that I still owe and interest has accumulated as well. This is robbery and bad business. Don’t borrow from them!

### 1/5 — Blank load screens…

*2023-07-09, version 1.19.1*

App doesn’t even load once logged in and gives blank load pages.

### 1/5 — Never works.

*2023-07-02, version 1.19.1*

This app never works for payment, nor is it accurate with payment history. The only way to make payments is to use a computer because this company’s website is not mobile friendly—app or safari. Frustrating.

### 1/5 — Horrible system!

*2022-10-28, version 1.13.0*

I can only make one payment a month of just my standard payment. I can’t make a few payments or pay more than my minimum. It’s very frustrating because I like to pay more than the minimum loan amount.

### 1/5 — Poor customer experience

*2022-10-11, version 1.13.0*

Fill out application, submit required documentation, then proceed to receive emails saying you haven’t submitted all paperwork, receive garbage and non helpful reply from support, loan offer expires. One thing to not be able to handle your business. Wasting people’s time in the process is garbage. App might be nice though

## Most praised reviews (10 highest-rated)

### 5/5 — simple

*2025-10-31*

it gets the job done :)

**Developer response:** Thank you for your review! We are so happy you've had a wonderful experience. 🥳 We love helping people achieve their goals!

### 5/5 — No problems here

*2023-10-30*

I've used the app 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!

**Developer response:** Thank you for the review! 🙌Our mission is to deliver affordable, accessible financial tools and services that empower people to use money as a tool for their happiness!

### 5/5 — Fast Service, Great Loan Options, Fast App!

*2022-01-30*

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.

### 5/5 — Awesome App

*2022-01-30, version 1.1*

Very user friendly. Seven mimosas deep and I still know how to use it.

### 5/5 — Amazing App

*2022-01-30, version 1.1*

Happy Money has been amazing, I wish I could give more than 5 stars!

### 5/5 — Great company!

*2022-01-30, version 1.1*

This app was so easy to use! As someone who isn’t great with technology I found this very user friendly.

### 5/5 — I’m so happy!!!

*2022-01-23*

I’ve been waiting for this app for the longest! And the app 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!

### 5/5 — Well designed app and transparent payment details

*2021-12-10*

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.

**Developer response:** Thanks so much for your review! We really believe that you deserve a loan that fits you, not the other way around—and creating a more personalized experience is one of the ways we’re making that happen. Thanks again for your support, and be sure to stay tuned for the other great stuff we’re cookin’ up!

### 4/5 — Missing major features

*2022-10-20*

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.

**Developer response:** Hi Tosh, thanks for your feedback! We have passed it along to our product team. We are always looking to improve the app, so please feel free to share any other thoughts or concerns with us!

### 4/5 — Good App

*2022-08-19*

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 the app and yet such an annoyance that it would have been a deal breaker for me.

**Developer response:** Hi there, thanks for your feedback! We have passed it along to our product team. We are always looking to improve the app, so please feel free to share any other thoughts or concerns with us!

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-16.*