Happy Money
Specializes in credit card debt consolidation with loans $5,000-$50,000. Rates from 8.95% APR with autopay.
Last checked on September 4, 2026. We may earn a commission when you click through.
Happy Money
Updated 1 month agoAPR Range
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Our Verdict
Purpose-built for credit card debt payoff with competitive rates.
Best For
Borrowers focused on paying off credit card debt.
Pros
- Specializes in credit card debt
- Instant pre-qualification
- Rates as low as 8.95%
Cons
- Only for credit card debt
- Minimum $5,000 loan
About This Loan
Similar options
Payoff Debt Consolidation Loan
ConsolidationAPR
5.99–24.99%
Amount
$5k–$40k
Term
24–60mo
Best for: Borrowers with significant credit card debt who want a structured payoff plan
Achieve Personal Loan
ConsolidationAPR
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Amount
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Term
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Best for: Couples or co-borrowers wanting joint application discount.
Upgrade Personal Loans
PersonalAPR
7.74–35.99%
Amount
$1k–$50k
Term
24–84mo
Best for: This service is ideal for those looking to consolidate debt or finance larger purchases without prepayment penalties.
Avant Personal Loans
PersonalAPR
9.95–35.99%
Amount
$2k–$35k
Term
24–60mo
Best for: This service is best for individuals looking for quick access to funds for personal expenses, such as medical bills or home improvements.
SoFi Debt Consolidation Loan
ConsolidationAPR
7.74–35.49%
Amount
$5k–$100k
Term
24–84mo
Best for: This loan is ideal for borrowers with a solid credit score looking to simplify their payments without incurring additional fees.
Rocket Loans Debt Consolidation
ConsolidationAPR
9.116–29.99%
Amount
$2k–$45k
Term
36–60mo
Best for: Borrowers who need fast funding for debt consolidation and value brand reliability