Happy Money was founded in 2009 and since then has been providing financial services for 48 states in the U.S. plus Washington, DC. Read this Happy Money Personal Loans review to learn everything about it.

This lender offers amounts ranging from $5,000 to $40,000 with flexible terms and conditions.

Keep reading to learn how a loan from this lender works and how it could help you achieve a goal or cover a need.

Happy Money is a financial company that offers loans ranging from $5,000 to $40,000. The terms vary from 24 to 60 months, and rates start at only 5.99%.

However, it can go as high as 24.99%. To check your rates, Happy Money offers prequalification with no hard inquiry on your credit.

Although the lender charges an origination fee of up to 5%, there are no prepayment penalty or late fees.

Also, the company considers applicants with fair credit. Applicants with good credit scores might get better chances of approval, though.

Furthermore, Happy Money requires a minimum annual income of $25,000, which is quite above average.

Usually, Happy Money approves a loan application within a couple of hours and releases funds within seven business days.

Happy Money is a legit company that offers lending options for people with a minimum annual income of $25,000 and at least fair credit.

Also, loans don’t come with prepayment or late fees.

In addition, amounts range from $5,000 to $40,000 with flexible terms and affordable rates compared to other private lenders.

Check the pros and cons of this Happy Money Personal Loans review.

You don’t need perfect credit to apply or prequalify for a loan. Happy Money considers less-than-perfect credit with big chances of approval from fair credit scores.

If you are interested in prequalifying for a loan through Happy Money, keep reading our next post, in which we explain how the process works.