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Rates & Terms

Fixed rates, simple terms, and your full cost up front.

Your rate is fixed for the life of the loan, so your monthly payment stays the same. You'll see your costs, including the origination fee, before you accept an offer.

Check my rate

Checking your rate is free and won't affect your credit score.*

The Payoff Loan™

Rates and terms at a glance

A fixed-rate personal loan that turns high-interest balances into one predictable monthly payment, with a lower APR available when you enroll in Autopay.‡

$5,000–$50,000

Loan amounts

8.95%–35.99%‡

Fixed APR range

2-5 years

Terms: 24-60 months

2–12%†

Origination fee

Representative Example

A $16,000 loan at 11.84% APR would have a monthly payment of $408.00 over 48 months.**

This is an example. Your actual rate, term, and payment depend on your credit profile and other factors.

Know your cost before you say yes.

The Payoff Loan™ has a one-time origination fee. It comes out of your loan funds rather than a separate bill.

2–12%†

Origination fee

A one-time fee based on your loan amount, deducted from your proceeds. The exact percentage depends on your credit profile and loan terms, and it's always shown to you up front, before you accept anything.

Basic requirements to get started

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No application fee

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No early or extra payment fees

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No check processing fees

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No returned check fees

Personal loans made personal

See what our customers have to say about their Happy Money lending experience.

Ada R.

Ada R.

July 6, 2026

“Very easy process, got approved right away and funds were transferred within 1-2 days! I was able to pay off my credit cards and have only one monthly payment!”

Trustpilot Rating 5 out of 5 stars
John P.

John P.

July 6, 2026

“Everything was so smooth and completed in two days. Funds were transferred within days of signing. It now allows me an opportunity to get back to saving money instead of living on a check-to-check lifestyle.”

Trustpilot Rating 5 out of 5 stars
Relles A.

Relles A.

April 20, 2026

“I never felt overwhelmed like I was signing my life away. I truly appreciate all the agencies involved giving me the chance to restart without feeling ashamed about my debt.”

Trustpilot Rating 5 out of 5 stars

Frequently Asked Questions

Yes. Happy Money loan rates are fixed APRs and stay the same for the life of the loan, so your monthly payment won't change over time.

Absolutely. You can pay off your loan early or make extra payments at any time, with no prepayment or early-payment fees.

Your rate depends on your credit profile, income and the loan amount and term you choose. Enrolling in Autopay may lower your APR.‡

It's the only fee Happy Money charges to set up your loan, and it's deducted from your loan proceeds before funds are sent to you, not billed separately.

The origination fee is the only fee Happy Money charges to set up your loan. There's no application fee, and no penalty for paying early or making extra payments.

Let's fund your happy

Personal loans to help you reach your goals.
Check my rate

Checking your rate is free and won't affect your credit score.*