HM Logo
HM Logo Mark

Personal loans with your 
best interests at heart

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

You're pre-qualified for $5,000 to $40,000 and a fixed rate as low as 9.99% 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.

  • Arrow Left

    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.

Best Personal Loans of February 2022

BY

Forbes Logo
Bankrate 4.6 out of 5 rating
Better Business Bureau A+ rating
Credible 4.5 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‡

9.99% - 29.99%

APR includes 0% - 5% 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 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*

Personal loans made personal

See what our members have to say about their Payoff Loan experience.

“Happy Money helped me get out of debt that I never could on my own.”

Gia B.

Happy Money Member, Gia B.

“It is great to see one bill rather than 4-5 bills. And the interest rate is so much more manageable.”

Jimmy S.

Happy Money Member, Jimmy S.

“Happy Money took all my worry and uncertainty about credit card debt off my shoulders and provided one easy place for me to start making significant dents in my debt.”

Misha A.

Happy Money Member, Misha A.

Let’s fund your happy

Check my rate

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