The four steps
- Submit one request. Contact details, income, amount, and bank account. Soft inquiry only.
- Review lender offers. Each shows APR, term, payment, finance charge, and fees.
- Sign with the lender you choose. The agreement is between you and that lender.
- Receive funds by deposit. Commonly the next business day after signing.
Who does what
| Task | Happy Money Loan | The lender | You |
|---|---|---|---|
| Collect the request | Yes | — | Provide accurate details |
| Review and decide | — | Yes, independently | — |
| Set APR, term, fees | — | Yes | Compare offers |
| Sign the agreement | — | Yes | Yes |
| Fund the loan | — | Yes | — |
| Collect payments | — | Yes | Pay on schedule |
| Answer account questions | Service questions only | Yes | — |
What it costs
Nothing to use the service. Lenders compensate the platform for introductions, which does not change the rate you are quoted. The loan itself costs what the lender's offer states: APR, any origination fee, and the finance charge, all shown before you sign. The rates guide explains typical ranges.
What you need
Age 18 or older, US residency, a regular income, and an active checking account. Have a government ID and a recent pay stub or bank statement ready. The eligibility page lists everything lenders commonly verify.
Ready to start
The request form takes minutes. If you would rather read first, the FAQ answers the questions that arrive most often.
