Home › Borrow › Loans › Personal loans › Happy Money

Happy Money personal loan

Not financial advice. Published ranges from each lender's own page with the date we read it; your offer depends on credit, income and state. No lender pays for inclusion or rank.

Rubric score 48.2%

• APR8.95%–35.99% as low as 8.95% happymoney.com, 2026-10-12
• Origination fee1%–8% happymoney.com, 2026-10-12
• Terms24 months–84 months happymoney.com, 2026-10-12
• Loan amountsup to $50,000 happymoney.com, 2026-10-12
• Minimum credit scorenot published (not found) happymoney.com, 2026-10-12

Note: 'As low as 8.95% APR'; fee 'typically 1–8%'; terms 2–7 years

APR range 8.95%–35.99%: official page (as of 2026-10-12)

Complaint record (CFPB)

• Complaints, last 12 months96
• Trend▲ 11.6% (last 12 mo 96 vs prior 12 mo 86)
• Timely response (last 36 mo)73.0%
• Top issueIncorrect information on your report
• Insurance statusNot an FDIC/NCUA-insured institution itself

Company-level (Happy Money, Inc.), all products, as of 2026-10-12. Happy Money complaints: full record → Shown for context; does not change the score.

Score breakdown

• Lowest advertised APR 7.1/10Lowest APR 8.95%. Score = 16 − APR, 0–10 (6% → 10).
• Highest APR (worst case) 0.0/10Max APR 35.99%. Score = (36 − max)/1.6, 0–10.
• Origination fee (max) 2/10Origination fee up to 8%. Score = 10 − max fee %.
• Term range 10/10Terms 24–84 months. Score = span/6 months, max 10.
• Max loan amount 5.0/10Up to $50,000. Score = max/$10k, max 10.

0.200×7.1 + 0.200×0.0 + 0.200×2 + 0.200×10 + 0.200×5.0 = 4.82 → 48.2%

All lenders + payment calculator →

FAQ

What APR does Happy Money charge?

8.95%–35.99% as low as 8.95% happymoney.com, 2026-10-12

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.