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Happy Money Named Best Lender for Paying Down Credit Cards by U.S. News & World Report
Happy Money, a leading consumer finance company, has been named a winner in the 2025 Money Awards by U.S. News & World Report, the global authority in rankings and consumer advice. The company was recognized as the “Best Lender for Paying Down Credit Cards.”
Americans currently carry over $1 trillion in credit card debt, with average interest rates exceeding 20%, causing a significant burden to many middle-market consumers. Juggling multiple high-interest credit cards has become not just a source of stress, but a roadblock to long-term financial stability. Happy Money is addressing this challenge head on with its fully digital lending platform that provides personal loans in partnership with mission-aligned financial institutions that help consumers pay off credit card debt faster and at a lower cost. To date, Happy Money has originated over $6 billion in personal loans, empowering more than 300,000 individuals nationwide to take greater control of their financial futures.
“At a time when so many are burdened by revolving high-interest credit card debt, our mission at Happy Money has never been more critical,” said Matt Tomko, CRO of Happy Money. “Being recognized by U.S. News & World Report is a testament to the real impact we have had on the lives of over 300,000 Americans as we help them reduce their debt more quickly and achieve their financial goals.”
“The 2025 Money Awards recognize exceptional institutions and products, while also providing consumers with informed insights on financial institutions that can best support their unique financial needs and goals,” said Adriana Ocañas, consumer credit cards analyst at U.S. News.
U.S. News determined the winning companies using comprehensive, data-driven methodologies including factors specific to their respective categories.
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