Can I refinance my current Happy Money personal loan?

Yes, if you meet three requirements. To refinance your Happy Money loan, you'll need to:

- Have had your current loan for at least 4 months

- Be current on your payments and not enrolled in a hardship program or payment modification

- Not have already refinanced 2 times in the past 12 months

Happy Money also looks at:

- Your payment history

- Your credit score and credit history

- Your remaining loan balance

- Your income and how much of it already goes to debt payments (your debt-to-income ratio)

Not everyone will qualify, and savings aren't guaranteed. Checking your rate shows whether you qualify and what your new terms could be, and it won't affect your credit score.