Don't fall for pay day loans or other financial schemes that can easily lead to big trouble down the road.
We can help lead you to reputable providers of loans or grants for whatever reason you might need money.
Money Happy! finds you money cheap and money fast!

What Do You Need Money For?


Programs through Keep Your Home California; Unemployment Mortgage Assistance, Mortgage Reinstatement Assistance Program, Principal Reduction Program and Transition Assistance Program.

Credit Card

More affordable credit cards.

Medical Bills

Loans and grants to help you with past due medical bills.


Affordable loans and grants for car purchase or repair, and free or affordable public transportation resources.


Loans and grants to help with past due utility bills.


Grants to help pay back rent, security deposits and move-in assistance.

Small Business

Affordable loans from reputable lenders to help you start or grow your small business.


Affordable loans and grants for school expenses (tuition, books, et cetera).


Affordable loans for other needs.

Let's Get Smart About Money
Find Affordable Alternatives

Money Tips
About Us

Site designed and managed by Housing & Economic Rights Advocates (HERA).

Our mission is to help all low and moderate income Californians build a safe financial future.

Finding Affordable Alternatives

Escape from pay day loans, find financial alternatives that are not predatory.
Our Money Tips can help you gain control of your finances.

How to Manage When Short on Cash

We all fall short on cash on a regular basis. So what can we do when we are short on cash?

I Need A Safety Net! What Do I Do?

Think savings and credit cards. Tools and advice to help you.

Getting Out of Debt Trouble

Every different type of debt has its own rules and options for how to make handling the debt easier. In other words — it can be complicated. We can help!

Credit Unions 101

Credit Unions often offer better customer service than banks because when you're a member you're not only a customer but a shareowner.

Building Credit

Establishing credit is incredibly important for your financial life. Money Happy! has tips on how to build your credit.
You Have Alternatives!