Happy Money is a legit financial company that has built a solid path on the market in the past 13 years with reasonable and affordable lending options. You can apply for Happy Money Personal loans with excellent terms.

The loan amounts range from $5,000 to $40,000, and terms vary from 24 to 60 months. Also, rates can be as little as 5.99%.

Happy Money offers prequalification with no hard inquiry and considers fair credit scores in the application.

It is important to note that you must have a minimum annual income of $25,000.

Furthermore, the company doesn’t charge any late or prepayment fees.

Therefore, Happy Money makes it easier to access loans with affordability and flexibility.

Now, keep reading to learn how the application and prequalification processes work.

Happy Money offers prequalification with no hard inquiry.

Applicants with fair credit are considered. Also, you must have at least 18 years old with a bank account and a minimum annual income of $25,000.

In addition, you need to provide recent pay stubs, proof of identification, and proof of income.

The application takes only a few minutes. And approval can take a couple of hours.

After receiving approval, you can get the funds you need within seven business days.

You must follow the process described above, as there is no way to apply through a mobile app.

Happy Money provides good amounts of loans with flexible terms and conditions. However, in case you need a higher amount, you may enjoy getting to know the lending options offered by Axos Bank.

Axos offers loans of up to $50,000 with terms varying from three to six years. You can consolidate debt, repair your home, or pay for major purchases with an Axos loan.

On the other hand, you must have good credit, and Axos charges origination and late fees.

Check out the comparison before applying for a loan.

Check out the next post to learn how the Axos Personal Loans application works!