Lynn H.
The loan application process with Happy Money was the easiest I’ve ever used and they kept me informed at every step. Equally important was that I was able to get the amount I needed.
Fund your happy with
a personal loan
- Personal loans between $5,000 - $35,000‡‡
- Fixed rates as low as 7.95% APR with autopay‡
- One fixed payment with a set paid off date
Checking your rate is free and won’t impact your credit score*
Fund what’s next
A personal loan from Happy Money can help you reach your goals. Here’s what customers use one for:
Home improvement
Household expenses
Major purchase
Unexpected cost
Vehicle
Wedding
Checking your rate is free and won’t impact your credit score*
Three steps to funding
STEP 1
Check your rate
Answer a few questions to see what you may qualify for. Checking won’t impact your credit score.
STEP 2
Choose your loan option
Compare the amounts, terms, and monthly payments available to you, then pick your best fit.
STEP 3
Get your funds
We send your money to your bank account. Most loans fund within a few business days.
Our rates and terms
Everything disclosed before you accept. No surprises after.
$5,000 - $35,000
LOAN AMOUNT
7.95% - 29.52%‡
APR
24 - 60 months**
TERM
APR includes a 2% - 10% origination fee,†
deducted from your loan funds. Nothing to pay upfront.
No application fee. No annual fee. No prepayment penalty.
No fee for extra payments.
4.5/5 stars on Bankrate
4.5/5 stars on Credible
4.6/5 stars on LendingTree
4.5/5 stars on NerdWallet
4.7/5 stars on Trustpilot
RECOGNIZED & TRUSTED
Awards worth mentioning
Best Consumer Lending Company, 2026 & 2025
By FinTech Breakthrough Awards
World’s Top Fintech Companies, 2026 & 2025
By American Banker
World’s Top Fintech Companies, 2026 & 2025
By CNBC
Personal loans made personal
See what our customers have to say about their Happy Money lending experience.
Tammy R.
Happy Money makes people happier. This was the best decision I made. The loan was easy to apply for, and you received your money quickly. I will do business with Happy Money again.
Ahna D.
I highly recommend this company. The process was very smooth. I had the loan that I asked for, money was available when I was told it would be. The automated payment method is amazing.