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Payoff's Overview

Total employees530
HeadquartersCosta Mesa
Founded2009

Payoff, Inc., which rebranded to Happy Money in 2019, is a financial technology company dedicated to improving people's relationship with money. It leverages a science-backed approach, integrating psychology and financial data to help individuals reduce debt, increase savings, and achieve greater financial wellness. Happy Money partners with credit unions and other financial institutions to offer its 'Payoff Loan' and other financial tools designed to reduce financial stress and build happiness.

Where is Payoff's Headquarters?

HQ Function

The Costa Mesa headquarters serves as the primary center for Happy Money's executive leadership, product innovation, engineering, data science, marketing, operations, and corporate strategy.

Notable Features:

The office is likely a modern, tech-enabled workspace designed to foster collaboration and reflect the company's innovative culture. It probably includes open-plan areas, advanced conferencing facilities, and amenities focused on employee well-being.

Work Culture:

Happy Money cultivates a mission-driven work culture centered on its 'Happy Mission.' It emphasizes empathy, psychological well-being, collaboration, innovation, and a positive impact on customers' financial lives. The environment is likely dynamic and encourages continuous learning and development.

HQ Significance:

The headquarters is pivotal in driving Happy Money's unique approach to financial services, developing its proprietary algorithms, managing partnerships with financial institutions, and steering the company's growth in the fintech landscape.

Values Reflected in HQ: The headquarters' design and operations likely reflect Happy Money's core values such as happiness, empathy, science-driven innovation, collaboration, and transparency.

Location:

Happy Money (formerly Payoff) primarily focuses its operations and services within the United States. Its lending products and financial wellness platform are designed for U.S. consumers. While it may have a distributed workforce including remote employees potentially in other countries supporting technology or customer service, its core market and regulatory framework are U.S.-based. Global functions are mainly related to technology infrastructure and talent acquisition rather than direct international market operations.

Street Address:

3200 Park Center Drive, 14th Floor

City:

Costa Mesa

State/Province:

CA

Country:

USA

Payoff's Global Presence

Buying Intent Signals for Payoff

Highperformr Signals uncover buying intent and give you clear insights to target the right accounts at the right time — helping your sales, marketing, and GTM teams close more deals, faster.

Notable news
Hiring actively
Corporate Finance
Corporate Finance
Corporate Finance
Corporate Finance
Corporate Finance
*Example signal, not calculated in real time

Executive Team of Payoff

As of April 2025, Payoff' leadership includes:

Jeff Winner - Chief Executive Officer
Joe Ollinger - Chief Financial Officer
Jason Poure - Chief Operating Officer
Chris Christensen - Chief Product Officer
Puja Agrawal - Chief People Officer
Sadira G. Meadow - Chief Legal Officer & General Counsel

Investors of Payoff

Payoff has been backed by several prominent investors over the years, including:

Anthemis Group
CMFG Ventures (CUNA Mutual Group)
Core Innovation Capital
Fifth Third Capital
Goldman Sachs
Tarsadia Investments
Mohamed A. El-Erian
Joe Saunders

Executive New Hires/Exits in the Last 12 Months

Hire0
Exits0

Based on available public information, there have been no major, widely publicized C-suite executive hires or departures at Happy Money (formerly Payoff) in the immediate last 12 months (as of early 2024). Key leadership positions appear stable. Any significant changes are typically announced via official press releases or company channels.

Technology (Tech Stack) used by Payoff

Discover the tools Payoff uses. Highperformr reveals the technologies powering your target accounts — helping your sales, marketing, and GTM teams prioritize smarter and close faster.

Payoff Email Formats and Examples

The most common email format used by Happy Money (formerly Payoff) is [first].[last]@happymoney.com. This pattern is widely adopted by the company for official communications. Other formats might exist but are less common.

[first].[last]@happymoney.com

Format

jane.doe@happymoney.com

Example

90%

Success rate

News and media

Business WireNovember 14, 2023

Happy Money And MSU Federal Credit Union Announce Partnership To Reduce Financial Stress For Members

Happy Money, a leading platform for unsecured lending in partnership with credit unions, announced a new partnership with MSU Federal Credit Union (MSUFCU) to offer its Payoff Loan™ to MSUFCU members, helping them save money and reduce financial stress....more

CUInsightAugust 1, 2023

Happy Money Partners with Teachers Federal Credit Union to Offer Personal Loans

Happy Money announced its partnership with Teachers Federal Credit Union (Teachers), one of the largest credit unions in the United States, to provide personal loans designed to help members consolidate debt and save money....more

PR NewswireMay 23, 2023

Happy Money Partners With TruWest Credit Union to Make Members Happier

Happy Money announced a new partnership with TruWest® Credit Union to offer its lending products and financial wellness tools to TruWest members, aiming to improve their financial health and happiness....more

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