Best Personal Loans of February 2023

                 Introducing Personal Loans by Happy Money

Personal loans with your best interest at heart.

It’s your loan, and you know best.
We give you plans to choose from, so you can decide the terms you’re most comfortable with.
You deserve fairness and flexibility.
With fixed interest rates lower than most credit cards, more flexibility than a bank, and no hidden fees, Happy Money is built to save you as much as possible.
Whatever you need, we’re here to help.
Our team of Member Advocates is here to answer your questions and make sure everything goes smoothly. We want you to be happy and to get the money you need—in that order.
Your loan is right at your fingertips.
The Happy Money app makes it easy to manage your loan, make payments, and update your information.

                The LightStream experience

Low rates, exceptional service

Get the low rate you deserve.

Good credit means a great rate. Got good credit? Get a low-interest, fixed-rate loan, at amounts from $5,000 to $100,000, for practically anything you want.

We can fund your loan as soon as the day you apply. 1

You’re in control of the loan process with LightStream. You choose your funding date, and you can even have funds deposited into your account as soon as the same day you apply.

Ready for your best loan experience ever?

We’ve reinvented lending, with a virtually paperless online process that’s refreshingly simple. We even guarantee that your LightStream loan will be your best loan experience ever!

We’ll beat any qualified rate. 2

Many lenders claim to have low rates. How many will beat your lowest qualifying rate, from any lender? We will, because we’re truly confident that our rates are always competitive.

                   Discover Personal Loans

Get a personal loan up to $35,000 with a monthly payment that fits your budget

$2,500 - $35,000 loans available

Perfect for debt consolidation, home improvements, and other big expenses.

Fixed rates

With fixed rates from 6.99% to 24.99% APR, you could lower your current payments, save on interest, and pay off debt faster.

No fees

No origination fees, no closing costs, no fees at all as long as you pay on time.

36 month to 84 month terms

Flexible options let you find the repayment plan that fits your budget.

Funds sent where you want

Directly to your creditors or your bank account.

30-day guarantee

Return loan funds within 30 days and pay no interest.

Dedicated customer support

100% U.S.-based customer service is available to answer any questions.