Happy Money Personal Loans: Up to US$ 40,000 in Payoff Loans to Settle Credit Card Debts!

Happy Money offers a payoff loan format to pay off debts with values of up to US$40,000 and rates starting at 12.45% APR.

Therefore, if you prefer to rely on this type of personal loan for your needs, see how to apply.

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Considered by Forbes as one of the best loans of 2022, Happy Money connects the public with its pool of lenders to provide the necessary resources for a personal loan.

In total, the service of the brand has reached over 300,000 members, with over $6 billion in transactions.

The payoff loan format offers a personal loan to pay off credit cards, with repayment terms between 2 and 5 years.

The function of Happy Money is precisely to simplify the payment of credit card debts through centralization into a single payment, namely the personal loan.

Happy Money offers personal loans in the payoff loans format with amounts ranging from $4,000 to $50,000 for the target audience.

In terms of rate, partners charge fixed APR rates between 11.72% and 17.99% APR, in addition to a single origination fee deducted from the amount paid to the borrower.

To access the loans, basic requirements must be met, such as being a citizen over 18 years old and not being delinquent.

Yes, to apply for a personal loan with Happy Money, a FICO score of 640 or higher is required.

Yes, the entire application can be done directly through the Happy Money platform, as it is an internet-focused fintech service.

In addition to facilitating the payment of credit card debts, Happy Money offers more favorable rate values, potentially reducing costs for credit improvement and debt clearance.

In this regard, according to Happy Money itself, paying off debit debts can increase the FICO score by up to 40 points, which is crucial for obtaining better credit cards in the future.

Furthermore, the platform offers good content production to inform customers about the format and conditions before applying for the loan.

Therefore, the interface and user experience on the Happy Money platform are one of the brand’s major highlights, making a difference in the market compared to competitors.

To provide genuine assistance, Happy Money offers good customer service to address questions and resolve issues.

Want to learn about another option?

Universal Credit is a finance platform that offers loan plans of up to $50,000 with rates starting at 11.69%.

Therefore, if you intend to apply for this type of personal loan in the payoff format, see how to apply.

Gabriel Gonçalves
Written by

Gabriel Gonçalves

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