How much can you borrow from Happy Money? This question is about Happy Money

You can borrow $5,000 - $40,000 from Happy Money, depending on your credit score, income, employment status and other factors. Happy Money personal loans also have APRs of 11.25% - 24.5%, based on your overall creditworthiness, and repayment periods of 24 - 60 months. You will need to have a credit score of 640+ to qualify. Key Things to Know About Happy Money Personal Loans Loan amounts: $5,000 - $40,000 APRs: 11.25% - 24.5% Repayment periods: 24 - 60 months Credit score requirement: 640+ Funding timeline: 5 - 13 business days after approval Origination fee: 0% - 5% Late fee: $0 For more information, check out the full Happy Money personal loan review on WalletHub. You can also estimate your potential rates with our free pre-qualification tool.

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How much can you borrow from Happy Money?

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This question is about Happy Money

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Grace Enfield, Content Writer

@grace_enfield • 08/12/22 This answer was first published on 08/12/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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You can borrow $5,000 - $40,000 from Happy Money, depending on your credit score, income, employment status and other factors. Happy Money personal loans also have APRs of 11.25% - 24.5%, based on your overall creditworthiness, and repayment periods of 24 - 60 months. You will need to have a credit score of 640+ to qualify.

Key Things to Know About Happy Money Personal Loans

Loan amounts: $5,000 - $40,000
APRs: 11.25% - 24.5%
Repayment periods: 24 - 60 months
Credit score requirement: 640+
Funding timeline: 5 - 13 business days after approval
Origination fee: 0% - 5%
Late fee: $0

For more information, check out the full Happy Money personal loan review on WalletHub. You can also estimate your potential rates with our free pre-qualification tool.

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Is it difficult to get a Happy Money personal loan?

It is not very difficult to get a personal loan from Happy Money because they offer personal loans for people with credit scores as low as 640. Other Happy Money personal loan requirements include being at least 18 years old, having an SSN, and having enough income to afford monthly loan payments.

Happy Money Personal Loan Requirements

Minimum Credit Score: 640 credit score
Minimum Income: Not disclosed, but require a debt-to-income ratio...

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How do I apply for a Happy Money personal 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

Check 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...

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Is Happy Money legit?

Yes, Happy Money personal loans are legitimate 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.

Why Happy Money Personal Loans Are Legit

Happy Money is registered as...

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