Are you looking for an easy and convenient way to consolidate your credit card debt? When you apply for a Happy Money Personal Loan, you get that and more! With low fixed rates and loan amounts up to $40,000, Happy Money is sure to take care of your financial needs.

This trusted lender offers an incredible opportunity for you to get out of debt. You can request a loan even with a fair score and repay them up to 5 years.

A Happy Money Loan also helps you increase your score by monthly reports with all three main credit bureaus.

They offer an easy and quick pre-qualification process on their website, too. That way you can check your rates and terms before deciding whether or not you want to apply.

If you’re qualified, you can get instant approval and fast funding in just two days.

Speaking of qualification, there are certain criteria you need to meet. First, be over the age of majority and have a valid SSN. You also need a checking account and a credit history over three years old with two accounts to your name. 

Happy Money can be your best ally on a credit card debt-free life. They even pay your debt directly to creditors so you don’t have to worry about sending the funds yourself. You’ll just have one monthly payment that fits your budget with the company.

So if you’re ready to regain control of your finances and build a debt-free future, keep reading to learn how you can apply for a Happy Money Personal Loan. 

You can easily and quickly apply for a Happy Money Personal Loan online. The first step is accessing their official website. To begin the application, you’ll have to create an account. Do so and log in using your credentials.

You’ll also have to pre-qualify before you apply. Tell them how much you need to borrow and what you’ll use those funds for.

Then provide Happy Money with some information about yourself, your employment and finances. The company will then perform a soft pull.

If you qualify, they’ll show you all your loan offers. Pay attention to what they’re offering you and pick a loan option that will fit your budget.

Once you choose a loan offer, you’ll have to submit a formal application. During this step, Happy Money may require additional documentation like bank statements and pay stubs.

They do so to confirm the info you provided during the pre-qualification process.

When you submit your application, Happy Money will perform a hard pull on your score. That inquiry may cause your rating to drop a few points

If everything checks out, you’ll have to sign a contract and wait a couple of business days for funding.

Happy Money reports all of your monthly payments to credit bureaus. Therefore, on time payments will help you build up your credit score.

At the same time, missed payments will affect it negatively. So make sure to plan your payments or set up autopay. 

Happy Money offers a mobile app for existing members to manage their accounts. However, you cannot apply for a Happy Money Personal Loan using the app. Once you apply online, download the app and enjoy its functionalities. 

But if you need a personal loan for other reasons than consolidating debt, or if you need to borrow a larger amount, we recommend you check out the SoFi Personal Loan. With amounts up to $100,000 and no hidden fees, SoFi is one of the best lenders in the market.

To learn what else they have to offer, understand their fees and more, check out the following link. We’ll also give you a complete walkthrough of their application process.