Rick Bormin, Personal Loans Moderator
Applicants need a credit score of atleast 640 to get a personal loan from Happy Money, according to the company, which means the Happy Money personal loan credit score requirement is in the fair credit range. To put this in perspective, Happy Money’s credit score requirement is similar to most other lenders.
Keep in mind that just having a 640 credit score is not enough to qualify you for a Happy Money personal loan. Happy Money will consider your entire financial profile, including things like your income, existing debts, and recent credit inquiries, when deciding whether to approve you. It's also worth noting that some applicants might be able to get a personal loan from Happy Money with a slightly lower score if it's offset by other factors like an especially high income. But it's best to wait to apply until your score meets the threshold.
If you're unsure of what your current credit score is, you can check it for free on WalletHub. You can also pre-qualify for a Happy Money personal loan online to gauge your chances of getting approved with your current credit score.
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