Lending Policy
1. Operator Disclosure
HappyMoney, LLC is a loan connecting service and does not make credit decisions or extend loans. HappyMoney is not an agent, representative, or broker of any lender. We submit consumer requests to a network of participating US lenders who evaluate those requests independently.
2. Loan Range & Terms
Loan amounts available through the network range from $500 to $5,000. The minimum repayment period is 91 days and the maximum repayment period is 72 months. Actual amounts and terms offered depend on lender evaluation, your credit profile, and applicable state law.
3. APR Disclosures
Annual Percentage Rates (APR) range from 5.99% to 35.99% for qualified applicants. The APR you may receive is determined by the participating lender based on lender evaluation of your credit profile and other factors. A representative example is available on our Disclosures page.
4. Non-Payment & Late Payment Policies
Non-payment and late payment policies are set by the participating lender and are specified in the lender's loan agreement. Consumers must review the lender agreement directly before accepting any offer. HappyMoney does not set collection, late fee, or non-payment policies and has no role in loan servicing after a lender extends an offer.
5. State Availability
The HappyMoney connecting service may not be available in all US states. Availability and loan terms may vary by state based on applicable law and participating lender participation. We do not guarantee that a lender will be available for every request in every state.