We change how people think about and
use money. happy money. happier life.

Payoff offers loans as a simpler way to say goodbye to credit card debt and start saving sooner.

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Joy is a mobile app that uses robot Money Coaches, designed around each person's psychology, to help people spend happier and build their savings.

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Happy Money Score incorporates a person's psychology and motivation to make credit decisions and financial recommendations that are more human.

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