If you find yourself buried under credit card debt, Happy Money offers a viable solution through its personal loans designed for debt consolidation. With loan amounts ranging from $5,000 to $40,000 and competitive APRs between 11.72% and 17.99%, borrowers can simplify their financial obligations by consolidating multiple debts into a single loan with fixed monthly payments. The application process is quick and easy, typically resulting in approval within three to seven business days. Additionally, Happy Money provides valuable tools to help users improve their FICO scores, including free personality tests and stress assessments that promote better financial habits. Unlike many lenders, Happy Money does not charge late fees or prepayment penalties, making it an attractive option for those looking to regain control over their finances. However, potential borrowers should be aware of origination fees ranging from 1.5% to 5.5%, depending on their credit score and loan terms.
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