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Disclosures

HappyMoney works with Lending Partners who originate loans. Individual borrowers must be at least 18 years old and have a valid social security number and a valid checking account. All loans are subject to credit review and approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage, credit history, and state of residence. Currently, loans are not offered in: IA, MA, and NV. Our mailing address is HappyMoney, 21515 Hawthorne Blvd, Suite 200, Torrance, CA 90503.

* Checking your rate generates a soft credit inquiry that is only visible to you. A hard credit inquiry that can affect your credit score appears when your loan is issued.

** Your repayment terms will depend on your interest rate, origination fee, loan amount, and loan term. Example — A loan of $16,000 at 12.63% APR will have a $480 origination fee and a monthly payment of $414 for 48 months.

‡ HappyMoney's lending partners offer fixed rates between 8.95% APR and 17.48% APR for loan amounts from $5,000 to $40,000. The minimum rate for loan amounts above $15,000 is 11.70% APR. The minimum loan amount and APR may vary in certain states. Rates depicted are accurate as of November 7, 2024. Please see our Rates and Terms page for specific details.

† The origination fee is charged by the lender who funds and issues your loan through our platform. Lenders do not charge any late, bounced check, failed ACH, or other fees. The origination fee is based on your loan amount, term, and credit quality. This one-time fee is deducted from your loan proceeds when your loan is issued.

†† Based on a study of HappyMoney Members who received a loan between March 2021 to August 2021. Members, who paid off at least $5,000 in credit card balances, saw an average increase in their credit score of 40 points within four months of receiving a Payoff Loan. Results may vary and are not guaranteed.

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