Reviews

Happy Money Personal Loan review: how does it work and is it good?

This Happy Money personal loan review covers all the important details. Read on if you want to learn more about this incredible lender.

Advertisement

Happy Money Personal Loan: Enjoy Payoff loans of up to $40,000!

Happy Money Personal Loan logo
Learn how the Happy Money Personal Loan works. Keep reading! Source: Happy Money

If you need a Happy Money Personal Loan review, you’ve landed in the right place. We’ll explore how this loan works, mentioning its high and low points. 

Happy Money Personal Loan logo

How to apply for Happy Money Personal Loan

Do you want to apply for the Happy Money Personal Loan? This post will teach you how. Read on!

This article will give you the information necessary to help you decide if a Happy Money Personal Loan is what you need now. Learn more about it by checking out this post.

  • 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.

Advertisement

What is the Happy Money Personal Loan?

Asian Business Woman or Accountant do math and analyze with calculator and paperwork on desk, account, audit and saving concept.
What can you do with a Happy Money Personal Loan? Find out here! Source: Adobe Stock

Happy Money Personal Loan is a great option for consolidating credit card debt.

Happy Money Payoff Loan is designed to help you avoid multiple high-interest credit card payments with a lower annual percentage rate.

It also offers monthly FICO score updates, reports to three credit bureaus, and direct payments to creditors. So, it might help you improve your credit score.

Plus, there’s no late fee, and you can get instant approval if you qualify.  However, there are no co-sign or joint options and no rate discount for autopay.

In addition, you might have to pay an origination fee. But overall, Happy Money Personal Loan is a great option for those who want to consolidate their debt.

Is the Happy Money Personal Loan good?

Happy Money Personal Loan offers many advantages, including low-interest rates and flexible repayment terms.

However, there are also some drawbacks to taking out a loan with Happy Money.

Make sure you carefully weigh all the pros and cons before deciding.

Advertisement

Pros

  • Get a Happy Money personal loan to get your finances back on track and avoid late fees;
  • Pre-qualify with a soft credit check and get funded in as little as 24 hours;
  • Direct payment to creditors means you’ll have less hassle and can avoid late fees;
  • Fast funding helps you take care of what’s important quickly;
  • A hardship program for borrowers in need means no one gets left behind.

Cons

  • It charges up to an origination fee;
  • There are no rate discounts;
  • It doesn’t provide co-sign or joint loan options;
  • Borrowers can’t choose the initial payment date.

Advertisement

Does the Happy Money Personal Loan check credit scores?

Yes. Happy Money Personal Loan checks credit scores. It requires at least 559 and a minimum of three years of established credit.

Want to get the Happy Money Personal Loan? We will help you!

If you got to the end of the Happy Money personal loan review, you understand how it works and the benefits of getting this loan.

Do you want to know how to apply for a Happy Money Personal Loan? Check out our post below!

Happy Money Personal Loan logo

How to apply for Happy Money Personal Loan

Do you want to apply for the Happy Money Personal Loan? This post will teach you how. Read on!

Trending Topics

content

How to fight back inflation hitting American households

Learn about the new strategies Americans are using to fight the ongoing inflation in their households and make ends meet. Read on for more!

Keep Reading
content

Upgrade Rewards Checking application: how does it work?

Get ready to take advantage of our Upgrade Rewards Checking! Apply now and enjoy no hidden fees and cash back on expenses! Read on!

Keep Reading
content

Beauty on a Budget? An Ulta Credit Card Honest Review

Earn 20% off your first beauty purchase at Ulta with the credit card in our review: Ulta Credit Card. Find out other benefits here!

Keep Reading

You may also like

content

Hawaiian Airlines: Follow this guide to track the best prices!

Find out the best ways to buy cheap Hawaiian Airlines flights in this review. Keep reading for more information!

Keep Reading
content

Renting or buying a home: find out what is best for you!

Unsure about renting or buying a home? Check out this post to help make the decision easier. Read on to learn more!

Keep Reading
content

Cheap Hawaiian Airlines flights: Discover how to cut costs on your next trip to Hawaii!

Are you going to Hawaii anytime soon? Find out about cheap Hawaiian Airlines flights to help you save. Keep reading!

Keep Reading