Learn to apply easily for the Happy Money Personal Loan

Discover the step-by-step process to apply for a Happy Money Personal Loan here. Check it out!


Happy Money Personal Loan application: consolidate your credit card debts without hassles!

Happy Money Personal Loan logo
Learn how to get a Happy Money Personal Loan. Keep reading! Source: Happy Money

Do you want to apply for a Happy Money Personal Loan? We’ve got you covered. This loan will help you consolidate your credit card debt, gathering all your debts in one place.



Happy Money Personal Loan

fast online

Up to $40,000 in loan amounts. Low rates.

You will be redirected to another website

Here is the complete guideline you need to apply, including the requirements and process. Read on to learn how to make your application online!

Online application

Smiling young businesswoman analyzing statistics, financial graphs charts on her laptop computer.
You can apply for a Happy Money Personal Loan online. Read on! Source: Adobe Stock

Applying for a Happy Money personal loan is easy and can be done in a few steps.

First, you’ll need to enter some basic information about yourself to pre-qualify. 

Then, you’ll choose a loan option that works for your needs and is compatible with your circumstances.

Finally, you’ll apply for the loan and plan for yourself to make the payments on time.

The funds are usually deposited in a couple of business days.


The requirements for a Happy Money Personal Loan are basically the ones most lenders will demand.

To apply for a Happy Money Personal Loan, you must:

  • Have at least 18 years old or have the age majority in your state;
  • Be a citizen in the US;
  • Own a checking account to receive funds;
  • Have at least a 559 credit score;
  • Not reside in Massachusetts or Nevada.

Apply using the app

Happy Money app, you can manage your little one, set your payments, and view your history.

You can also check your FICO score and see your loan process. However, to apply, you’ll need to use the website.

You can download the app on your iPhone or Android. It’s free.

Happy Money Personal Loans vs. SoFi Personal Loans: which one is the best?

Happy Money and SoFi are great companies offering strong customer service to their borrowers.

However, you need a higher minimum credit score with SoFi before they approve your loan request than what’s required by Happy Money.

You can compare and find more information about both loans below.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

 Happy Money Personal Loans

  • APR: The APR varies from 7.99 to 29.99%;
  • Loan Purpose: Consolidate credit card debt;
  • Loan Amounts: From $5,000 to $40,000;
  • Credit Needed: The minimum credit score needed is 640;
  • Origination Fee: This fee is based on terms, loan amount, and credit score;
  • Late Fee:  There are no late payment fees;
  • Early Payoff Penalty: Happy Money doesn’t charge an early penalty fee.

SoFi Personal Loans

  • APR: It has a variable APR of 7.99%-23.43%;
  • Loan Purpose: Credit Card Consolidation, Home Improvements, Family Planning, Wedding Planning.;
  • Loan Amounts: From $5k to $100K; 
  • Credit Needed: 680 or higher;
  • Origination Fee: No origination fees;
  • Late Fee: No late payment fees;
  • Early Payoff Penalty: No early payoff penalty.

Are you thinking about applying for a SoFi Loan? Then you should check out the post below to learn more about it.

Sofi logo 1

Learn to apply easily for the SoFi Personal Loans

Are you thinking about getting a SoFi Personal Loan, but aren't sure where to start? Here's a guideline to help you apply for a SoFi Personal Loan online. Read on!

About the author  /  Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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