How long do I need to wait before I can refinance my Happy Money loan?

To be eligible to refinance your Happy Money loan, you’ll need to have been making payments on your current loan for at least 6 months.

This time allows you to build a track record of on-time payments and make progress on your balance before exploring new terms. Many customers consider refinancing when their financial situation or credit has improved, or when a new loan could offer a lower rate or a different monthly payment.