Min. Credit Score
Max. DTI Debt to Income Ratio
Happy Money offers considerably low interest rates and can come with zero fees for some users. The downside is Happy Money loans can only be used for debt consolidation.
on our partner's site
Time to Funding
Lender description Happy Money loan is designed to help consumers boost their credit scores by giving them the ability to reduce multiple high-interest payments into one simple, low-rate payment each month.
How to qualify You'll need to have no current credit delinquencies to qualify. Your debt-to-income ratio, age of credit history, credit utilization, and open/satisfactory trades may also be considered.
How to apply Apply online in as little as three minutes by checking your rate, choosing your terms, verifying your information, and receiving your funds.
Footprint Happy Money is available in 46 states and Washington, D.C. Happy Money is not available in Massachusetts and Nevada.
Loan example A loan of $16,000 at 10.99% APR will have a monthly payment of $413 for 48 months.