No, Happy Money does not call your employer. Happy Money instead uses the financial information and documents you provide during the application process, like a W-2 form, bank statement or pay stub, to verify that you are employed and that you have enough income to afford the loan.
To apply for a Happy Money personal loan, first check for pre-qualification and then enter your personal and financial information on the online application. Next, verify the accuracy of the information, submit the application and wait to receive a decision.
How to Apply for a Happy Money Personal Loan
… read full answerCheck for pre-qualification. Pre-qualification is a way to check your approval odds and potential rates before applying for a Happy Money personal loan. It doesn't hurt your credit. You can check for pre-qualification on the Happy Money website or WalletHub's pre-qualification tool.
Enter your personal information on the application. Happy Money requires the following personal information on the application: your full name, date of birth, phone number, home address and email address.
Enter your financial information on the application. Happy Money requires the following financial information on the application: your annual gross income, income type and monthly housing payments.
Double check the application for accuracy. To ensure that your Happy Money personal loan application gets processed as quickly as possible, make sure that all the information is correct and complete before you submit it.
Submit your application. Happy Money will typically provide a decision on your application within up to 7 business days.
If you are approved for a Happy Money personal loan, you will generally receive the funds within 2 to 6 business days after approval. After that, it's your responsibility to make monthly payments until you have fully paid back your loan, including interest.
Yes, Happy Money personal loans are legit because Happy Money is registered to do business in the states it services, which is a legal requirement to be a legitimate lender. Another reason why Happy Money personal loans are legit is that the lender has a rating of A+ from the Better Business Bureau. The company also is accredited with the Bureau.… read full answer
Why Happy Money Personal Loans Are Legit
Happy Money is registered as a business in the states it services.
Happy Money has a Better Business Bureau rating of A+.
Happy Money has an average user rating of 4/5 on WalletHub.
Happy Money personal loans have a rating of 3.9/5 from WalletHub's editors.
Happy Money has a secure website, which you can tell by the fact that the URL has "https" in front of it.
While Happy Money personal loans are legit, they may or not be the best choice for you. It's important to compare the terms and requirements of Happy Money personal loans against your other options before submitting an application.
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