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Where do you turn for trusted money guidance when rates stay high? Matt Tomko, Chief Revenue Officer: "People still bene...
10/11/2026

Where do you turn for trusted money guidance when rates stay high? Matt Tomko, Chief Revenue Officer: "People still benefit from having a real plan and trusted guidance." Matt Potere, CEO: "Well-qualified borrowers can often find fixed-rate personal loans running several points below average card rates." Read the full 2026 Credit Check-In: https://hubs.li/Q04yzxDR0

Should you consolidate card debt with a personal loan? At national average rates, $20,000 at 22.15% card APR, paying $58...
10/05/2026

Should you consolidate card debt with a personal loan? At national average rates, $20,000 at 22.15% card APR, paying $580 a month, takes about 55 months and $12,091 in interest. Same $20,000 in a fixed-rate personal loan at 12.41%, same payment: 43 months, $4,861. Illustrative example using national average rates, not an offer. Your rate may vary. Full math: https://hubs.li/Q04yzw1t0

What are people doing about their debt? Mostly cutting back. 33% of Americans call paying down debt a top goal; of them,...
10/04/2026

What are people doing about their debt? Mostly cutting back. 33% of Americans call paying down debt a top goal; of them, 55% cut spending or delayed a purchase and 10% consolidated or refinanced. What gets in the way: financial pressure (46%), feeling overwhelmed (35%) and not knowing where to start (20%). Read the full 2026 Credit Check-In: https://hubs.li/Q04yztFl0

How does debt change day-to-day life? 80% of people carrying debt put off at least one milestone in the past year: build...
09/28/2026

How does debt change day-to-day life? 80% of people carrying debt put off at least one milestone in the past year: building savings (27%), travel (27%), a major purchase (26%), healthcare or dental care (20%). If one of your goals is on hold, the report covers the options people are using to get moving again. Read the full 2026 Credit Check-In: https://hubs.li/Q04ycTPv0

Do Americans trust AI for financial advice? About 1 in 8 (13%) name AI tools among their most trusted sources, ahead of ...
09/27/2026

Do Americans trust AI for financial advice? About 1 in 8 (13%) name AI tools among their most trusted sources, ahead of social media (12%). People still top the list: friends and family (28%) and financial advisors (27%). Of those who trust AI, 54% also trust a person; 14% rely on AI alone. Read the full 2026 Credit Check-In:
https://hubs.li/Q04ycRk50

Do you feel more financially secure than a year ago? 31% of Americans say yes and 34% say no. 45% of $100K+ households f...
09/21/2026

Do you feel more financially secure than a year ago? 31% of Americans say yes and 34% say no. 45% of $100K+ households feel more secure, against 26% of households under $50K. By generation it flips: 45% of Gen Z feel more secure, against 17% of Boomers. Read the full 2026 Credit Check-In: https://bit.ly/4hocD4F

When you're under financial stress and looking for relief, the fastest offer can feel like the right one. But it's worth...
08/14/2026

When you're under financial stress and looking for relief, the fastest offer can feel like the right one. But it's worth comparing options to make sure the loan fits your situation and your goals.

asked our Chief Revenue Officer Matt Tomko what people should weigh when they choose a personal loan. His advice:

đź‘€ Look past the advertised starting rate and monthly payment. Use a loan payment calculator to understand the total cost.
⬇️ A lower monthly payment can give you real budget and cash flow flexibility, but it can also extend the repayment period and increase the total cost of borrowing.
đź’¬ Ask yourself whether the payment fits comfortably in your budget and still pays it down at a meaningful pace.

Thanks to Liliana Hall for including Happy Money in the conversation.

Run the numbers with our loan payment calculator: https://bit.ly/4htGDOg
Read the full article: https://bit.ly/4zdFgtq

Short answer: we’re not a bank, and we’re not the lender.Happy Money is a consumer finance company. We built The Payoff ...
08/13/2026

Short answer: we’re not a bank, and we’re not the lender.

Happy Money is a consumer finance company. We built The Payoff Loan™, a fixed-rate personal loan for paying down credit cards. The money itself comes from our lending partners, mostly community-focused credit unions.
So the funding comes from trusted financial institutions. The application, the rate check and the support come from us.

Loan amounts $5,000 to $50,000. Rates as low as 8.95% APR with autopay‡. Checking your rate is free and won’t impact your credit.
https://bit.ly/4wxaGbH

You do not need a full financial reset to make the second half of the year feel lighter.Try one small move:Check one mon...
08/04/2026

You do not need a full financial reset to make the second half of the year feel lighter.

Try one small move:
Check one monthly bill.Pick one payoff goal.Set one August money date.

One clear step now can help you feel more prepared for what’s next.

Save this for your next money check-in.

A little breathing room can go a long way.Our $1,000 Happy Money Boost is still running, with monthly drawings through 8...
07/31/2026

A little breathing room can go a long way.

Our $1,000 Happy Money Boost is still running, with monthly drawings through 8/31.

Entering only takes a minute. Tap the link https://bit.ly/4f52jyK to see the official rules and enter.

No purchase necessary. See official rules for details.

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21515 Hawthorne Boulevard, Suite 200
Torrance, CA
90503

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Tuesday 6am - 6pm
Wednesday 6am - 6pm
Thursday 6am - 6pm
Friday 6am - 6pm
Saturday 6am - 2:30pm

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