You only get happier
from here.

Happy Money’s personal loans are designed to get you the money you need for the important things in life.

Check My Rate Won't hurt your credit score

Introducing Personal Loans by Happy Money®

Personal loans with your best interest at heart.

It’s your loan, and you know best.

We give you plans to choose from, so you can decide the terms you’re most comfortable with.

You deserve fairness and flexibility.

With fixed interest rates lower than most credit cards, more flexibility than a bank, and no hidden fees, Happy Money is built to save you as much as possible.

Whatever you need, we’re here to help.

Our team of Member Advocates is here to answer your questions and make sure everything goes smoothly. We want you to be happy and to get the money you need—in that order.

Your loan is right at your fingertips.

The Happy Money app makes it easy to manage your loan, make payments, and update your information.

Happy Money is here to help you on your journey to achieve your dreams. No two dreams and no two journeys are alike—but we’re here to walk with you down the path you choose, providing support whenever you need it. Paying off credit card debt? Making a special event even more special? Funding your next adventure? We’re here for you. We're not a bank. We're people building personal products with a purpose: empowering you to live your best life—whatever that means for you.