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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.

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

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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. 

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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?

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.

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.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

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!

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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