Rates & Terms
Taking out a personal loan shouldn’t require a finance degree. With our fixed, low rates and simple terms, The Payoff Loan™ is here to get you closer to your goals as quickly as possible.
Check my rateLow, Fixed Loan Rates
We only partner with responsible lenders who are committed to helping you—not hurting you—so our rates are some of the lowest around. And since our rates are fixed, you never have to worry about unexpected rate hikes. You can rest assured that the rate you get when you open your loan will stay the same throughout the life of your loan.
Flexible Loan Terms
We know that everyone’s Money Story is a little different, so we offer flexible options to help fit your needs.
Please keep in mind: Your repayment terms are dependent on your APR‡ and selected loan term. For example, a loan of $16,000 at 12.63% APR will have a $520 origination fee and a monthly payment of $412 for 48 months.
Origination Fee†
The Origination Fee† is the only fee associated with Happy Money personal loans. It helps us cover the cost of matching you with great lending partners to fund your loan, and continuing to service your loan once it's been funded. You may see your Origination Fee† go up or down depending on the terms of your loan. The Origination Fee† is paid out of your loan funds—not your pocket. After that one-time charge, you’re fee-free for the life of your loan!
No Hidden Fees†
We want you to pay back your loan so you can get closer to your Debt-Free Future—and that’s why we don’t nickel-and-dime you with fees†.
When you choose a personal loan from Happy Money, we're proud to offer you the cash you need for the important things in your life. But we're just as proud of what we don't give you:
- NO application fee
- NO early or extra payment fees
- NO late fees
- NO check processing fees
- NO returned check fees
- NO annual fees