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
by Suzana Brito
Happy Money Personal Loan: Enjoy Payoff loans of up to $40,000!
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.
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.
What is the Happy Money Personal Loan?
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.
Advertisement
You will be redirected to another website
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.
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!
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!
Suzana Brito
Trending Topics
American Airlines AAdvantage® MileUp® application: how does it work?
Find out if the American Airlines AAdvantage® MileUp® is right for you, and learn how to apply here. Read on!
Keep Reading
Learn how to download the Calm App and manage your anxiety and stress
Learn how to download the Calm App to manage your anxiety and stress healthily. So, stay tuned and keep reading to start!
Keep Reading
Citi Premier® Card application: how does it work?
The Citi Premier® Card is perfect for earning travel rewards on purchases. If you want a card like that, read on to learn how to apply.
Keep ReadingYou may also like
Delta SkyMiles® Platinum American Express Card review
See the Delta SkyMiles® Platinum American Express Card review to take advantage of premium travel benefits. Keep reading!
Keep Reading
Application for the GO2bank™: how does it work?
GO2bank™ came to make your life easier. Find out about the application process, and have access 24/7 to your account on your phone. Read on!
Keep Reading
Capital One Platinum Credit Card application: how does it work?
Learn how to apply for The Capital One Platinum Credit Card online and quickly. Keep reading to understand if you are eligible!
Keep Reading