Eliminate credit card debt in 24-84 months.
We offer fixed rates between 8.95% and 35.99% APR, and terms between 24 and 84 months. You set the finish line, and we'll help you get there.
✓ With fixed rates, save money on interest
Enjoy one simple, fixed monthly payment.
Replace multiple credit card payments with one predictable monthly payment. Simplify your finances.
✓ No more juggling due dates
Boost your credit score.
Potentially boost your credit when you pay off debt.††
✓ Proven credit improvement
Gain peace of mind.
Your loan comes with one upfront origination fee - there are no hidden costs, prepayment penalties, or extra payment fees.
✓ No surprise fees ever
Who is Happy Money?
Happy Money® is a consumer finance company that empowers people to achieve their goals through responsible lending. Our loans are built with transparency and ease in mind, giving you more time to do what you love. We save you money with low interest rates and a payment schedule that works for you, not against you.
By partnering with credit unions like MSUFCU, we prioritize customers’ best interests and work together to deliver accessible financial tools for all.
2-minute check
Save money on interest
Personal loans made personal
See what our customers have to say about their lending experience with Happy Money®.
Efficient and seamless process. Very pleased with how quickly I received funds after applying. Everyone I dealt with was courteous and professional.
I had fallen into a deep financial hole... I was making payments to my credit cards, but not fast enough. Happy money allowed me to make payments to one institution. That was all I needed to get back on my feet.
They are very helpful. They have the lowest APR and origination fee so far. Application process was so quick. Funding came to my bank in less than a week. Fastest ever I have ever worked with. Thank you so much!