How it works

At HappyLoans we work with multiple lending partners to connect you with a lender you need to manage your emergency expenses. HappyLoans is not a lender, we connect you with a network of lending partners around the country who can provide you with quick loans regardless of your credit history.

Once you have submitted the information required in our quick and easy form, HappyLoans will attempt to connect you with a lending partner. If you are connected with a lending partner, you will receive an answer almost instantly in less than 5 minutes in most cases, unlike with other traditional banking institutions that may take days. If you are connected with a lending partner, you will be automatically redirected to the lending partner's website where you should review the terms and conditions of your loan. You may also be contacted by your lending provider who will confirm you information and finalize your loan.

If you do not agree with any part of the terms and conditions of your loan, notify the lending partner before finalizing your loan. Your lending partner may contact you by phone or email. Be sure to respond in a timely manner in order to gain access to your funding as soon as possible.

Finally, personal loans are meant to be used as a short term solution only, please borrow responsibly.



Happy Loans

Our Online form is quick, secure, & hassle free.

Your information is protected with 256-bit technology.

You may be approved even with a poor credit history.

How it works


Submit Your Information

Fill out our short online form secured with 256-bit technology all from the comfort of your home.


Fast Decision

If approved, review all terms & rates provided by the lender.


Check Your Account

Get money deposited into your bank account as soon as the next business day.

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