Grace Enfield, Content Writer
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Your Happy Money approval odds are good if you have a low debt-to-income ratio and meet Happy Money’s requirements to get a loan. Some requirements include being at least 18 years old, having enough income to make monthly payments and having a credit score of 640+. If you meet all the requirements, your approval odds are high, but approval is never guaranteed.
What You Need for Good Happy Money Approval Odds
- Credit Score Requirement: 640
- Age: 18+
- Identification: Social Security number
- Bank Account: Verifiable checking account
- Residency: All states except Nevada and Massachusetts
- Citizenship: U.S. citizen, permanent resident or immigration visa holder
- Income: Not disclosed
- Debt-to-Income Ratio: 50% or less
Before applying for any personal loan, it’s a good idea to check to see if you pre-qualify in order to estimate your approval odds. You can use WalletHub’s free pre-qualification tool to check with multiple lenders at once.
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