Happy Money offers one type of loan, called The Payoff Loan, a personal loan for credit card debt consolidation. Happy Money loans are best for applicants with a steady income, fair-to-good credit, and who have thousands in high-interest credit cards that they want to pay off with one monthly payment. Loan amount $5,000 to $50,000 Loan term 2 to 5 years Loan rates (APR) Fixed rates starting at 7.95% (as of 03/02/26) Minimum credit score 640 Origination fee 0% to 5% of amount borrowed