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Submitted URL: https://www.payoff.com/myloan/
Effective URL: https://happymoney.com/myloan
Submission: On May 12 via api from US — Scanned from DE
Effective URL: https://happymoney.com/myloan
Submission: On May 12 via api from US — Scanned from DE
Form analysis 1 forms found in the DOM
<form>
<div class="Panel__FormTitle-sc-o1bszi-3 ccaeVk">
<p>Low fixed rates‡</p>
<p>Loan amounts between $5,000 - $40,000‡</p>
<p>No hidden fees!†</p>
</div><label for="credit-card-balance" class="Panel__Label-sc-o1bszi-1 dJzorA">Enter your invitation code</label><input placeholder="Enter Invitation Code" class="Panel__CodeInput-sc-o1bszi-4 gkAunj" value="">
<div class="Panel__ErrorMessage-sc-o1bszi-5 jLJhhU">Please enter your ten digit offer code</div><button data-testid="submit-button" type="submit" class="Panel__SubmitButton-sc-o1bszi-6 etoGRR">Check my rate</button>
</form>Text Content
A personal loan to pay off credit cards TURN OVER A NEW LEAF THIS SEASON Low fixed rates‡ Loan amounts between $5,000 - $40,000‡ No hidden fees!† Enter your invitation code Please enter your ten digit offer code Check my rate I don't have a code • I’ve already started Checking your rate is free and won’t impact your credit score* As Seen On Benefits of The Payoff Loan™ Better Than Credit Cards Lower rates than many credit cards and customizable loan terms.§‡ Simple and Easy A single, fixed, and affordable monthly payment to simplify your life. Credit Boost Paying off your credit cards can help increase your credit score by up to 40+ points.†† Personal Service Our team is here, ready to help you along your journey of paying off your credit cards. Fast Application All it takes is a few minutes to check your rate online. Focused on Credit Cards Our loans are specifically designed to help you eliminate high-interest credit card debt. Check my rate Checking your rate is free and won’t impact your credit score* Our Rates & Terms‡ Loans From $5,000 - $40,000 APR 11.72% - 17.99% APR includes 1.5% - 5.5% Origination Fee† Terms** 24 - 60 months * No Application Fees * No Prepayment Penalties or Fees * No Late Fees * No Annual Fees What Our Members Are Saying 5 / 5 STARS ON Lending Tree 4.7 / 5 STARS ON Credit Karma -------------------------------------------------------------------------------- "My favorite part about working with the people at Happy Money is that they take a real human interest in their customers." JEREMY H, HAPPY MONEY MEMBER A Simple Application Process Check your rate in as little as 3 minutes. 01 Check Your Rate There are no application fees or commitments, and it does not impact your credit score. 02 Choose Your Terms Select the offer that works best for you and finish your application. 03 Verify Your Info Review your terms, verify your information and eSign your loan documents. 04 Receive Your Funds Your funds to pay off your credit card balances will be electronically deposited into your account. Check my rate Checking your rate is free and won’t impact your credit score* * The Payoff Loan * Getting Approved * Rates & Terms * Our Company * Careers * Press * Lending Partners * Support ↗ * Articles * Contact Us * Privacy * Licenses * Accessibility * Opt Out ↗ -------------------------------------------------------------------------------- You can choose to stop receiving “prescreened” offers of credit from Happy Money and other companies by calling 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE below for more information about prescreened offers. PRESCREEN & OPT OUT NOTICE This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain initial creditworthiness criteria of our lending partners. This offer is not guaranteed if you do not continue to meet this criteria. All loans are subject to credit review and approval by our lending partners. Your actual rate depends upon credit score, loan amount, loan term, credit usage, credit history, and state of residence, among other things. If you do not want to receive prescreened offers of credit from Happy Money and other companies, call the consumer credit reporting Agencies at 1-888-567-8688 or visit the website at www.optoutprescreen.com; or write to them at TransUnion, PO Box 505, Woodlyn, PA 19094; Equifax, PO Box 740123, Atlanta, GA 30374; Experian, PO Box 919, Allen, TX 75013; Innovis Consumer Assistance, PO Box 495, Pittsburgh, PA 15230. This is a limited time offer and is not transferable. ‡‡ Happy Money works with Lending Partners who originate loans. Individual borrowers must be at least 18 years old and have a valid social security number and a valid checking account. All loans are subject to credit review and approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage, credit history, and state of residence. Currently loans are not offered in: MA and NV. Our mailing address is: Happy Money, 21515 Hawthorne Blvd, Suite 200, Torrance, CA 90503. ‡ Happy Money's lending partners offer fixed rates between 11.72% APR and 17.99% APR for loan amounts from $5,000 to $40,000. The minimum rate for loan amounts above $15,000 is 12.45% APR. The minimum loan amount and APR may vary in certain states. Rates depicted are accurate as of January 8, 2024. Please see our Rates and Terms page for specific details. * Checking your rate generates a soft credit inquiry that is only visible to you. A hard credit inquiry that can affect your credit score appears when your loan is issued. ** Your repayment terms will depend on your interest rate, origination fee, loan amount, and loan term. Example — A loan of $16,000 at 13.64% APR will have a $480 origination fee and a monthly payment of $421 for 48 months. † The origination fee is charged by the lender who funds and issues your loan through our platform. Lenders do not charge any late, bounced check, failed ACH, or other fees. The origination fee is based on your loan amount, term, and credit quality. This one-time fee is deducted from your loan proceeds when your loan is issued. †† Based on a study of Happy Money Members who received a loan between September 2021 and February 2022. Members, who paid off at least $5,000 in credit card balances, saw an average increase in their credit score of 49 points within four months of receiving a Payoff Loan. Results may vary and are not guaranteed. § According to a review by LendingTree as of November 17, 2023, "[i]n November 2023, more than 1 in 3 cards (36%) reviewed had possible APRs of 29.99% or higher". Trust and SecurityPrivacy PolicyLending PartnersNMLS #1396805 (NMLS Consumer Access ↗) © Copyright 2024. All rights reserved. Happy Money, Inc.