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Personal loans with your best interests at heart

You're pre-qualified for $5,000 to $40,000 and a fixed rate as low as 12.45% APR.‡

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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.†

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    Customizable

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

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

The Best Personal Loans for Debt Consolidation
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‡

11.72% - 17.99%

APR includes 1.5% - 5.5% 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

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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

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Personal loans made personal

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

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