The Payoff Loan is the Happy Money Personal Loan for debt consolidation. You can find amounts from $5,000 to $40,000. It will help you lower or end your low credit card balances. It’s a way of helping you stay on top of your finances, paying off your credit cards quicker and with lower interest rates.

No, checking your score won’t hurt it. However, Happy Money Personal Loan will run a hard inquiry, which can temporarily lower your score. Still, the company says most borrowers have a 40 points increase after making the first payment.

No, it’s not. Unfortunately, Happy Money Personal Loan is not available for Nevada and Massachusetts. However, if you are from one of the other states in the U.S, you might be eligible to apply if you fit all the requirements.

Happy Money Personal Loan accepts applicants that are 18 years old and are U.S citizens. They also demand borrowers to have a checking account, where funds might be deposited, and at least a 559 credit score. Applicants must also have established credit for at least years.

To apply for a Happy Money Personal Loan, you can start with a pre-qualification that will put your profile under analysis and then choose between one of the offers available. Once you have that, you can finish your application.