Happy Loan – A Review of a Debt Consolidation Platform

March 6, 2023

robert stern

robert stern has been covering business and financial topics since 1997, specializing in taking complex subject matters and explaining them in simple terms for consumer audiences. Eric's writing regularly appears on badcreditloans03, ufu, zix, bank-paydayloan.com, www-mypaydayloan.com, and dozens of other outlets. A former software engineer, robert stern an M.B.A. from New York University and an M.S. in finance from howard university.

Happy Loan is a debt consolidation company that provides personal loans up to $40,000. They run a soft credit pull on borrowers’ reports without impacting their scores, which won’t impact their credit ratings.

The platform also promotes financial wellness with science-based personality assessments, stress assessments and cash flow insights. After one year of check-ins with its first-year borrowers, borrowers can monitor their progress more easily.

Getting a loan

Happy Money is an online lender that provides loans to help borrowers pay off high-interest credit card debt. Its loans typically feature fixed interest rates and repayment terms of two to five years.

To apply for a Happy Money loan, you must provide basic information about your credit history and income. Additionally, you may provide additional documents like copies of your driver’s license or bank statements.

Happy Money stands out among other lenders by not charging any application or late payment fees. Furthermore, it does not tack on prepayment or annual charges.

You can pre-qualify for a Happy Money loan by filling out our online application, which takes just three minutes and won’t affect your credit score. After selecting the amount and repayment terms that work best for you, you’ll be sent loan documents to electronically sign. Depending on individual circumstances, funds could be in your account within three to seven business days after approval.

Rates

Happy Loan offers personal loans ranging from $5,000 to $40,000. These loans have fixed interest rates and repayment terms of two to five years.

The lender also provides a Payoff Loan, which helps borrowers consolidate their credit card debts. Generally, these loans offer lower rates than other options and may even help boost borrowers’ credit scores.

To apply, borrowers must be at least 18 years old and possess a valid bank account. They may also submit two most recent pay stubs as well as their bank statement.

Borrowers can pre-qualify for a happy loan online without hurting their credit score. This is beneficial as it enables borrowers to compare rates and terms before committing to one loan. Furthermore, this is an ideal way to compare offers from different lenders.

Requirements

If you’re considering a loan through Happy Money, certain requirements must be met. For instance, the lender won’t make loans to those with credit scores below 640 and debt-to-income ratios that exceed 50%.

To be accepted by the company, you’ll have to show proof of your income and annual gross income. Furthermore, they require that you have at least three years of stable credit history.

Loan amounts from $5,000 to $40, 000 are offered by this lender and can be used for a variety of purposes, such as paying off credit cards.

Happy Money is more upfront about its borrower eligibility and requirements than some competitors, which could save you time and heartache should your application be denied. Furthermore, the website makes pre-qualifying for a loan easy. Taking time to shop around for the lender that best meets your financial goals as well as offers competitive rates, terms and amounts is worth taking the time for.

Customer service

Happy loan provides an extensive customer support system, including phone support, online chat and an email address. Representatives are available seven days a week during business hours for inquiries.

They provide free FICO Score updates, personality assessments, stress and cash flow assessments to assist you with money management. Furthermore, their member experience team conducts quarterly calls to check in with borrowers and assess progress.

The great news is that there’s no application fee and only a few pieces of information needed to process your loan. Once submitted, expect an approval within three to seven business days.

The company provides an impressive online portal to track your payments and monitor progress. They provide various guarantee options, such as mortgages, pledges and guarantees by natural persons or merchants. It can be an effective way to escape credit card debt and improve financial health.

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