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.
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.
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.
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.
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.
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.
3200 Park Center Drive, 14th Floor
Costa Mesa
CA
USA
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As of April 2025, Payoff' leadership includes:
Payoff has been backed by several prominent investors over the years, including:
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.
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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
Business Wire • November 14, 2023
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
CUInsight • August 1, 2023
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 Newswire • May 23, 2023
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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