Helping people find a happier path out of debt.

HappyPath Financial operates the website happypathfi.com. We are a loan marketplace, not a lender: we don’t make loans, set rates, or make credit decisions. Participating lenders do.

Our team brings together people from consumer lending, technology and customer support who believe borrowing should be simpler and more honest.

To help consumers take the best available loan offer for their situation — whether that means a lower monthly payment, paying off debt sooner, or funding an important expense — with clear numbers and no pressure.

• Tell us about you. Answer a few questions about your goal, income and credit.
• Compare options. Participating lenders can show estimated rates using a soft credit inquiry, which doesn’t affect your score.
• Choose and apply. If you pick an offer, you finish the application directly with that lender, who may perform a hard credit inquiry and makes the final decision.

We show APR, monthly payment, term and total cost side by side, and highlight the lowest total cost first. HappyPath may be compensated by lenders whose offers appear on our site; that compensation can affect which lenders appear but does not change how we rank the offers you see.

Read our Advertiser & Marketplace Disclosures and Privacy Policy for details.

Questions? Visit our Contact page or email support@happypathfi.com.