Services and Features
Happy Money offers personal loans for debt consolidation, home improvement, and other major expenses. The company also provides tools and resources to help customers manage their finances better, including financial wellness coaching and credit score monitoring.
Application Process
The application process for a Happy Money personal loan is straightforward and can be completed online. Applicants need to provide basic personal and financial information and can receive a decision within minutes.
Loan Types and Terms
Happy Money offers fixed-rate personal loans ranging from $5,000 to $40,000 with terms from 2 to 5 years.
The company provides loans for a variety of purposes, including debt consolidation, home improvement, and major purchases.
Happy Money offers APRs ranging from 5.99% to 29.99%, depending on the borrower's creditworthiness.
Fees: The Origination Fee† is the only fee associated with Happy Money personal loans. It helps cover the cost of matching you with great lending partners to fund your loan, and continuing to service your loan once it's been funded. You may see your Origination Fee† go up or down depending on the terms of your loan. The Origination Fee† is paid out of your loan funds—not your pocket. After that one-time charge, you’re fee-free for the life of your loan.
NO application fee
NO early or extra payment fees
NO late fees
NO check processing fees
NO returned check fees
NO annual fees
To be eligible for a Happy Money personal loan, borrowers must be at least 18 years old, a US citizen or permanent resident, and have a minimum credit score of 300. Additionally, borrowers must have a minimum annual income of $40,000 and a debt-to-income ratio of 50% or lower.
Happy Money allows borrowers to apply with a co-signer, which may help those who do not meet the credit or income requirements on their own. However, not all borrowers may be eligible for a co-signer option.
Repayment Options
Happy Money offers flexible repayment options, including autopay and the ability to change the payment date. There are no prepayment penalties, and borrowers can pay off their loans early without any additional fees.
Customer Support
Happy Money provides customer support via phone and email, and has a comprehensive online Help Center with frequently asked questions and educational resources.
Address
Happy Money is headquartered at 100 Wilshire Blvd Suite 700, Santa Monica, CA 90401.
Overall, Happy Money is a reputable personal loans brand that provides borrowers with a range of loan options and flexible repayment terms, as well as helpful tools and resources to improve their financial well-being.
