Payoff Loan
About the Payoff Loan
- How is a Payoff Loan™ different from debt settlement?
- What is a Payoff Loan™?
- Can I get a Payoff Loan™ for anything besides paying off my credit cards?
- Can I have more than one Payoff Loan™?
- How much can I save with a Payoff Loan™ versus my credit cards?
- Why should I take out a Payoff Loan™ versus just paying more than the minimum payment on my credit cards?
- How much can I borrow with a Payoff Loan™?
Getting Approved
- Where do I receive the money if I'm approved for a Payoff Loan™?
- What are the requirements for being approved for a Payoff Loan™?
- How long does the Payoff Loan™ approval process take?
- I do not have any credit. Can I get the Payoff Loan™?
- I did not get approved. Can I re-apply for the Payoff Loan™?
- After approval, how quickly does Happy Money® fund my Payoff Loan™?
- How are the Payoff Loan™ funds deposited?
- I have had credit troubles in the past. Can I still get a Payoff Loan™?
How to Apply
- What additional information may Happy Money® require during my application?
- Why do I have 30 days to finish my application?
- How long are my rates good for?
- Happy Money® is not available in my state. Will it be available soon?
- Where can I find my account and routing numbers to fund my Payoff Loan™?
- Can I finish my application later?
- Why do I have to verify my information?
- How do I verify my bank account with Happy Money®?
- I am trying to upload my documents but it isn't working. What do I do?
- Should I include my spouse or partner's income when filling out the Payoff Loan™ application?
- How do I verify my identity with Happy Money®?
- When applying, I see multiple Payoff Loan™ offers to choose from. Which one is right for me?
Rates & Fees
Refinancing
- Will refinancing restart my progress toward becoming debt-free?
- How many personal loans can I have at one time?
- How much can I save by refinancing?
- Will checking my rate affect my credit score?
- Why is Happy Money offering refinancing to existing customers?
- Are there any fees to refinance my loan?
- Can I borrow more money when I refinance?
- Can I refinance my current Happy Money personal loan?
- What happens to my current Happy Money loan if I refinance?
- Is refinancing required or automatic?
- How long do I need to wait before I can refinance my Happy Money loan?
Your Credit
- Does Happy Money® make me close my credit card accounts?
- Will checking my rates for a Payoff Loan™ hurt my credit?
- I can't afford my payment this month — how do I prevent being reported as delinquent to the bureaus?
- When does Happy Money report to credit bureaus?
- Why is a new company showing up on my credit report?
- How long will it take for my credit report to show a recent update?
- Why did I receive a late mark on my credit report?
- How can you do a credit inquiry and not affect my credit?