Happy Money personal loan review

Do you want to learn about all the features of the Happy Money personal loan? At Responsible Economy, we present you with all the characteristics that Happy Money loans offer, along with a comparison to the best personal loans for bad credit scores. Let’s get started!

¿What is Happy Money?

Happy Money is not a lender; rather, it operates as a financial intermediary. It collaborates directly with lenders through its platform. It’s important to understand that Happy Money will never lend you money itself; its role is solely to facilitate the process of obtaining a loan.

How does it work?

The process of applying for a loan through Happy Money is very straightforward. The first thing you need to do is enter all your details on the Happy Money platform. After submitting your personal information, you will need to fill out the loan details: the amount you need, repayment period, and the purpose of the loan.

Happy Money’s algorithm will then inform you which financial institutions may approve your loan.

Best personal loans

We have created a comparative table of Happy Money with the best personal loans for bad credit score. You have the key features of each loan:

Logo SoFi loans
  • APR: 8.99-25.81%
  • Terms: 2-7 years
  • Amount: $5,000-$100,000
  • Credit Score: no
Logo LightStream loans
  • APR: 7.99-25.49%
  • Terms: 2-12 years
  • Amount: $5,000-$100,000
  • Credit Score: 660
Logo Upstart loan
  • APR: 6.50-35.99%
  • Terms: 3-5 years
  • Amount: $1,000-$50,000
  • Credit Score: no
Logo Happy Money loans
  • APR: 10.50-29.99%
  • Terms: 2-5 years
  • Amount: $5,000-$40,000
  • Credit Score: 640
Logo upgtrade loans
  • APR: 8.24-35.97%
  • Terms: 2-7 years
  • Amount: $1,000-$50,000
  • Credit Score: 560
Best Egg loan
  • APR: 8.99-35.99%
  • Terms: 3-5 years
  • Amount: $2,000-$50,000
  • Credit Score: 600
Logo Universal credit loans
  • APR: 11.69-35.93%
  • Terms: 3-5 years
  • Amount: $1,000-$50,000
  • Credit Score: 560
Logo Discover personal loans
  • APR: 6.99-24.99%
  • Terms: 3-7 years
  • Amount: $2,500-$40,000
  • Credit Score: 660
logo rocket loans
  • APR: 9.116-29.99%
  • Terms: 3-5 years
  • Amount: $2,000-$45,000
  • Credit Score: 640


We have compiled a list of all the advantages of Happy Money loans:

  • Low minimum interest rate
  • Checking your rate won’t affect your credit score
  • No required credit score.


You also have a list of all the negative features of Happy Money loans:

  • It does not directly provide money.
  • Very high highest interest rate.
  • Relatively high minimum amount to request.


The minimum requirements to obtain a personal loan with Happy Money are:

  • Being a resident of the United States.
  • Being over 18 years old.
  • Completing the online process
  • Having stable and steady income.

Loan Calculator

We’ve created a custom loan calculator that offers a straightforward breakdown of your interest payments. This tool empowers you to conduct various calculations, allowing you to plan strategically and reduce your interest costs. This smart strategy could result in significant long-term interest savings.

Happy Money Loan Calculator

Happy Money Loan Calculator


After conducting the analysis, our opinion is that Happy Money can help you save time since you can find out which banks may approve your loan with just one application. The downside is that we are not aware of the banks and financial institutions Happy Money works with.

Frequent questions

Here is a list of the most frequently asked questions about Happy Money loans:

More information about Happy Money

We have created a table with information about Happy Money:

Information about Happy Money

Here you have related content about personal loans:

Updated the day 1 September, 2023 by Alfredo Barandiarán

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