Important Disclosures. Please Read Carefully.
Persons facing serious financial difficulties should consider alternative financial solutions or seek professional financial advice before obtaining any loan or credit product.
This website uses Site Visit Recordation Technology to memorialize site visits, including technologies that may be provided by third-party vendors such as Jornaya's LeadiD.
By submitting information through this website, you consent to the use of Site Visit Recordation Technology and related compliance technologies.
The owner of this website is not a lender, does not make loans, and does not participate in lender-related activities including:
Making credit decisions, brokering loans, originating loans, underwriting loans, funding loans, servicing loans, or collecting payments on behalf of lenders.
Submitting information through this website constitutes a request to be connected with one or more financial service providers who may be able to assist with your financial needs.
Each lender or financial service provider is solely responsible for evaluating your application, verifying information, and making its own lending decisions.
The services provided through this website are administrative in nature and are offered free of charge to consumers.
Participating lenders, advertisers, and financial service providers may compensate this website when consumers are connected with their services.
Compensation arrangements may include auction-based, lead-generation, or ping tree models where participating providers compete for consumer inquiries.
In some cases, consumers may be presented with offers from Tribal Lending Enterprises (TLEs).
Tribal lenders may operate under tribal and certain federal laws and may be exempt from certain state lending regulations, including state usury limits.
Rates, fees, repayment obligations, and dispute resolution procedures offered by tribal lenders may differ from those offered by state-licensed lenders.
Consumers should carefully review all disclosures and loan agreements before accepting any loan offer.
By submitting information through this website, you authorize participating lenders and service providers to verify your identity and review information relevant to your application.
This may include verification of:
• Social Security Number
• Driver's License Information
• Employment Information
• Banking Information
• Credit History
Credit inquiries may be performed through major credit reporting agencies including Experian, Equifax, and TransUnion, as well as alternative reporting agencies where permitted by law.
You also authorize the sharing of your information with participating lenders and service providers for purposes related to evaluating available financial products.
Services offered through this website may not be available in all states, jurisdictions, or geographic locations.
Eligibility for products and services is determined solely by participating lenders and applicable laws.
If a lender chooses to provide a loan offer, the lender is required by applicable law to disclose all material terms and conditions before a loan agreement is finalized.
Disclosures may include:
• Interest Rates
• APR
• Loan Fees
• Repayment Terms
• Late Payment Charges
• Renewal or Refinance Terms (where permitted)
Loan terms are determined exclusively by the lender and not by this website.
Missing a payment or making a late payment may negatively affect your credit history and credit score.
Consumers should carefully review repayment obligations and only accept loan terms they can reasonably afford.
If you anticipate difficulty making payments, contact your lender directly as soon as possible to discuss available options.
FundsHappy does not guarantee approval, funding, loan amounts, rates, fees, or lender participation.
All lending decisions are made solely by participating lenders and financial service providers based upon their own underwriting criteria and applicable laws.
Last Updated: June 2026