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

As Seen On

Better Than Credit Cards

Lower rates than many credit cards and customizable loan terms.^§‡

Simple and Easy

A single, fixed, and affordable monthly payment to simplify your life.

Credit Boost

Paying off your credit cards can help increase your credit score by up to 40+ points.††

Personal Service

Our team is here, ready to help you along your journey of paying off your credit cards.

Fast Application

All it takes is a few minutes to check your rate online.

Focused on Credit Cards

Our loans are specifically designed to help you eliminate high-interest credit card debt.

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

Loans From

$5,000 - $40,000

APR

8.95% - 17.48%

APR includes 1.5% - 5.5% Origination Fee†

Terms**

24 - 60 months

5 / 5 STARS ON Lending Tree

4.7 / 5 STARS ON Credit Karma

"My favorite part about working with the people at Happy Money is that they take a real human interest in their customers."

JEREMY H, HAPPY MONEY MEMBER

Check your rate in as little as 3 minutes.

Check Your Rate

There are no application fees or commitments, and it does not impact your credit score.

Choose Your Terms

Select the offer that works best for you and finish your application.

Verify Your Info

Review your terms, verify your information and eSign your loan documents.

Receive Your Funds

Your funds to pay off your credit card balances will be electronically deposited into your account.

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

Turn over a newleaf this season