Personal loans with your 
best interests at heart

Fund special occasions, home renovations and eliminate credit card debt on your terms.

You’re pre-approved for $5,000 to $40,000 and a fixed rate as low as 5.99% APR.‡

Please enter your ten digit offer code

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

Why Happy Money?

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    Simple

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

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    Transparent

    No hidden fees here, just a one-time upfront fee and zero late fees.†

  • Gear

    Customizable

    We’ve got you covered with custom loan plans built for you.

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Checking your rate won't hurt your credit score.*

Bankrate 4.6 out of 5 rating
Better Business Bureau A+ rating
Credible 4.6 out of 5 rating
Lendingtree 4.6 out of 5 rating
Nerdwallet 4.5 out of 5 rating
Trustpilot 4.6 out of 5 rating

Our Rates & Terms‡

LOANS FROM

$5,000 - $40,000

APR

5.99% - 24.99%

APR includes 0% - 5% Origination Fee.†

TERMS**

24 - 60 months

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No Application Fees

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No Late Fees

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No Prepayment Penalties or Fees

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No Annual Fees

How our personal loans work

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*

Let’s fund your happy

Check my rate

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