Happy Money personal loans: APR, fees and requirements
What Happy Money publishes about its personal loans (8.95% to 35.99% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.
| Lender type | Online lender |
|---|---|
| APR range | 8.95% to 35.99% |
| Loan amounts | $5,000 to $50,000 |
| Repayment terms | 24 to 84 months |
| Origination fee | 2%-12% |
| Minimum credit score | Not published |
| Availability | Currently, loans are not offered in: IA. Minimum loan amount and APR may vary in certain states. |
How the lender states its rates: “Happy Money's lending partners offer fixed rates between 8.95% APR and 35.99% APR for loan amounts from $5,000 to $50,000. The minimum rate for loan amounts above $15,000 is 11.09% APR. ... Rates shown reflect an autopay discount. Without Autopay enrollment, your rate and APR will be higher. Rates depicted are accurate as of July 8, 2026.”
How the starting rate compares
The lowest advertised APR, 8.95%, ranks 20 of 33 among the lenders on our list (1 is the lowest). The Federal Reserve's average for a 24-month personal loan at commercial banks was 11.90% (August 2026). Only borrowers with strong credit get a lender's lowest rate.
Similar lenders
Achieve
Online lender
- APR
- 6.25% to 35.99%
- Loan amounts
- $5,000 to $50,000
- Origination fee
- 1.99% to 9.99%
Avant
Online lender
- APR
- 9.95% to 35.99%
- Loan amounts
- $2,000 to $35,000
- Origination fee
- Varies
Best Egg
Online lender
- APR
- 6.99% to 35.99%
- Loan amounts
- $2,000 to $50,000
- Origination fee
- 0.99%-9.99%
Checked on October 16, 2026 on the lender's website. Rates and terms change: confirm before you apply. happymoney.com · happymoney.com/rates-and-terms · happymoney.com/all-lending-partners