Refinance your personal loan for a better rate!

Refinancing replaces your current Happy Money loan with a new one that may have potentially better terms. If you move forward, your existing loan is paid off and replaced by the new loan.

Nothing changes unless you complete the refinancing process; your current loan remains active and unchanged. 

No. Checking your rate generates a soft credit inquiry, which is only visible to you and does not affect your credit. This means you can explore your options without impacting your credit. A hard credit inquiry may occur only if you decide to complete a refinancing application, which can affect your credit and will show up on your report.

Refinancing options may include an origination fee based on your loan terms and credit profile. This is a one-time fee that is deducted from the new loan once it’s issued.

Happy Money does not charge an application fee to check your rate, and there are no prepayment penalties on your current loan. You can refinance without added costs for paying off your balance early.

How much you may save depends on your financial profile, current loan balance, remaining repayment timeline, and the new loan terms you qualify for. 

Refinancing may help lower your interest rate, reduce your monthly payment, or adjust your repayment term. Savings are not guaranteed, but checking your rate will show you what your options are.

This depends on your creditworthiness and eligibility. Happy Money allows you to add existing credit card debt to your refinance loan. 

Your current loan will be paid off and replaced with a new loan. Any additional amount is subject to approval and eligibility.