Terms of use

The rules for using this site and the connection service, in plain language.

  • $500 – $5,000
  • Soft credit check
  • No fee to use
  • Not a lender

Request a loan offer   How it works

4.6/55,760 borrower ratings
60,000people served
1–2 daystypical funding after signing
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Acceptance

By using this site you agree to these terms and to the privacy policy. If you do not agree, do not use the site.

The service

Happy Money Loan provides a connection service that shares your request with participating lenders. We are not a lender, do not make credit decisions, and do not guarantee that any lender will make an offer. Any loan agreement is solely between you and the lender.

Eligibility

You must be at least 18 and a US resident to submit a request. You agree that the information you provide is accurate and that you are authorized to provide it.

No advice

Content on this site is educational and general. It is not financial, legal, or tax advice, and it does not account for your individual circumstances.

Third parties

Lenders and service providers are independent. We are not responsible for their terms, actions, or content. Review a lender's agreement carefully before signing.

Intellectual property

Site content is owned by Happy Money Loan or its licensors and may not be reproduced without permission, except for personal, non-commercial use.

Disclaimer and limitation

The site is provided as is, without warranties of any kind. To the fullest extent permitted by law, we are not liable for indirect, incidental, or consequential damages arising from use of the site or the service.

Changes and contact

We may update these terms; the current version is posted here. Questions: [email protected].

Ready to request a personal loan offer?

One short form reaches a network of participating lenders. Review any offer at your own pace; there is no fee and no obligation to accept.

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Two people high-fiving after completing a Happy Money loan request