Alternatives to Happy Money

Credit-building platform offering credit accounts, debt negotiation, and rent reporting.

Fintech company providing credit-building tools for individuals with limited or no credit history.

A platform designed to help individuals and families manage their finances and build wealth.

Digital personal finance company offering debt relief, loans, and home equity solutions.

Intelligently automates loan payments for consumers to improve financial well-being and pay off debt faster.

Online marketplace for personal loans and banking services, offering debt consolidation and auto loan refinancing.

Helps individuals escape high-interest debt by comparing debt consolidation options with no hard credit pull.

Point-of-sale lending and a no-fee credit card for everyday expenses.

Indian consumer lending startup

Provider of capital to small businesses across the United States.

Digital financial services platform offering banking, investing, and crypto.

Responsible lender tackling financial exclusion in the UK.

Bounce AI offers a digital platform for individuals to manage and resolve debt with flexible payment plans.

Oodle Car Finance provides a seamless, digital platform for used car financing, connecting buyers with dealers and lenders.

Prosper is a leading online marketplace for personal loans, connecting borrowers with investors to provide affordable financing.

Alternative lender improving supply chains by financing SME suppliers.

A fintech company offering point-of-sale financing solutions.

Lower is a digital mortgage lender focused on simplifying the home buying and refinancing process.

South African fintech platform for employee financial well-being and benefits.

A provider of alternative financial services to unbanked and underbanked consumers.

Chime is a US neobank offering mobile-first banking services with no monthly fees, automated savings, and early paycheck access.

Online platform for asset-backed consumer loans, offering secured credit with lower interest rates.

A digital banking and payments platform offering a digital wallet, savings, credit, and merchant services.

Embedded earned wage access platform for credit unions and community banks.

Largest independent digital bank in Latin America, offering credit cards, accounts, loans, and insurance via a mobile app.

Embedded working capital platform for small businesses, offering AI-powered credit lines and B2B payment solutions.

ASAAS automates financial processes and enhances customer relationships for businesses.

A financial technology company providing banking, lending, and payment solutions for small businesses.

Financial infrastructure platform for tech companies to store, move, and lend money.

Digital lending platform providing working capital loans to SMEs in India.

The composable, API-first cloud banking platform.

Brazilian fintech providing integrated financial and software solutions for merchants of all sizes.

Financial services and digital payments company.

A rewards and payments platform transforming housing spend into valuable rewards for renters and homeowners.

A digital financial services platform offering banking, lending, investing, and financial planning tools for consumers.

AI-powered network enabling financial institutions to expand customer access and scale lending.

A digital banking app offering instant loans, savings, and payments for underserved populations.

Fintech platform providing affordable smartphones and digital financial services to 'Every Day Earners' in Sub-Saharan Africa.

Fintech platform that eliminates security deposits for renters and landlords using open banking.

Consumer finance company

Guideline provides a modern, all-in-one platform for managing employee benefits and retirement plans.

Personetics provides AI-powered personalized financial insights and money management solutions for banks and financial institutions.

Consumer credit and mobile banking platform offering personal loans, credit cards, and checking accounts.

Global AI-powered financial asset management firm providing growth capital to tech companies.

All-in-one business banking, accounting, and tax platform for small businesses.

Buy Now, Pay Later (BNPL) service offering flexible payment options at checkout.

B2B credit infrastructure fintech enabling digital platforms to launch and scale credit products.

Financial services platform for emerging markets, enabling access to credit and payments.

Provides core, cloud banking software for banks and financial institutions, enabling faster product launches and real-time customer service.

A decentralized protocol for lending and borrowing cryptocurrencies.

Tala provides AI-driven credit, savings, and crypto wallets for emerging markets.

Unlocking revenue for investors by enabling stock and bond lending.

AI-powered auto finance platform for consumers with good to no credit history.

A tech-powered marketplace for private credit investing, connecting borrowers, investors, and underwriters.

European fintech providing instant consumer credit and payment solutions.

Embedded capital platform providing working capital advances to small businesses.

A UK-based digital challenger bank.

Klarna is a global payments and shopping service that offers direct payments, pay after delivery options and instalment plans. It makes online shopping simple,

Invite-only liquidity solutions provider for venture fund investors (LPs).

Brazilian digital wallet and bank offering financial services for individuals and businesses.