Choose a country
United States
Select a city
Select a city
Select language
Select country
Choose a country
United States
United States
Việt nam
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.


Apply for a Happy Money's loan


How to apply

After clicking the "Check my rate" button on the Happy Money website, a user will be taken to a page where they can input their personal information. This information will be used to calculate their potential loan rate. You will then be able to see your estimated loan rate and decide if they would like to proceed with the loan application.


Happy Money has its own requirements to qualify for when borrowing a pay off:

  • Your FICO score should be 600+;

  • You shouldn’t have any credit delinquencies. These are the payments you haven’t still paid.

  • You must be at least 18 years old and be a resident of the USA;

  • Have a positive credit history.

Application details

The documents you'll need to provide will vary depending on individual circumstances, but there are some general guidelines to follow.

  1. You'll need to submit evidence such as pay stubs, tax returns, or other proof of income.

  2. You'll need to provide proof of your state of residencies, such as a driver's license or utility bill.

  3. Happy Money will make a soft credit inquiry as part of the loan application process.

Individual borrowers who apply for a Happy Money loan are typically considered for one day. During this time, Happy Money will conduct a soft credit inquiry to determine the individual's creditworthiness. Poor credit history is the most frequent reason for rejection.


Can I get a loan with Happy Money if I have bad credit?

Happy Money requires borrowers to have good or excellent credit in order to qualify for a loan. 

How much can I borrow from Happy Money?

You can borrow up to $40,000 from Happy Money.

What is the best credit score for Happy Money?

The best credit score for Happy Money is 600 or above.

Financial products

Happy Money
Personal loan
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
$5,000 - $40,000

Effective interest rate on the product

up to 24.99%

Loan term for the financial product

up to 60 months

Calculate loan payments in Happy Money

Happy Money calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

5000 $
40000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Happy Money

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Happy Money and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
Your comment has been added
Your complaint has been recorded
Invalid username or password
Please log in to like/dislike
Invalid SMS code has been entered
All Happy Money’s reviews by October 2022
Leave feedback
1 reviews
Personal loan Go
If we take into account the fact that this lender offers the opportunity to receive points for the use and timely repayment of loans, which can be used to repay subsequent loans in the future, then this is a huge plus in his direction. In terms of interest, everything is within acceptable limits, if you compare it again with other companies, you can repay the loan ahead of schedule, this is not hindered here and even no commissions will be required to pay. In case of problems, you can always contact the support service, the attitude to customers is loyal and all issues are resolved fairly quickly in terms of deadlines. In the future, I still plan to contact here
Overall company rating
/ 5
1 reviews
Execution of an application
Support service
Mobile app
Service quality
Your satisfaction level

Similar companies

Mission Loans
19500 Jamboree, Suite 300 Irvine, CA 92612
Accredited Debt Relief
9525 Towne Centre Dr, Suite 100, San Diego, CA 92121
1900 S. State College Blvd, Ste 300, Anaheim, CA 92806
PO Box 10, Parshall, ND 58770
Wintrust Mortgage
9700 W. Higgins Road, Ste. 300, Rosemont, IL 60018