HM Logo
HM Logo Mark

Say goodbye to credit card debt!

Personal loans with your best interests at heart.

You’re pre-approved for $5,000 to $40,000 and a fixed rate as low as 8.95% APR.‡

Please enter your ten digit offer code

Checking your rate is free and won’t impact your credit score*

Why Happy Money?

  • Checkmark

    Simple

    Enjoy a single, fixed payment with a set paid-off date.

  • Dollar Sign

    Save

    Save up to thousands of dollars thanks to low interest rates.

  • Arrow Up

    Boost

    Potentially boost your credit score when you pay off debt.††

Check my rate

Checking your rate is free and won’t impact your credit score*

Best personal loans for credit card debt consolidation

Our Rates & Terms

LOANS FROM‡

$5,000 - $40,000

APR‡

8.95% - 29.99%

APR includes .25% - 10% Origination Fee.

TERMS**

24 - 60 months

checkmark

No Application Fees

checkmark

No Late Fees

checkmark

No Prepayment Penalties or Fees

checkmark

No Annual Fees

View rates and terms

How The Payoff Loan works

We don't like jumping through hoops anymore than you do. So we made it easy, straightforward and quick to apply.‡‡

  • Calculator

    ((1))

    Check your rate

  • Calendar

    ((2))

    Choose your terms

  • Magnify Glass

    ((3))

    Verify your info

  • Money with Wings

    ((4))

    Receive your funds

Check my rate

Checking your rate is free and won’t impact your credit score*

Personal loans made personal

See what our members have to say about their Happy Money lending experience.

Kerry M.

Kerry M.

March 4, 2025

Efficient and seamless process. Very pleased with how quickly I received funds after applying. Everyone I dealt with was courteous and professional.

Trust Pilot LogoRating
Sandra

Sandra

February 27, 2025

I was interested in consolidating debt after a divorce and this was easy and helped me to create a plan to become debt free.

Trust Pilot LogoRating
Sean S.

Sean S.

March 10, 2025

From start to finish, the process was smooth, transparent, and stress-free. The team was incredibly professional.

Trust Pilot LogoRating

Let’s fund your happy

Check my rate

Checking your rate is free and won’t impact your credit score*