The Happy Money Good Credit is a personal loan from Happy Money. The annual fee is $0. The ongoing APR is Fixed 8.95% to 35.99% APR with Autopay (minimum 11.09% APR for loans above $15,000); rates are higher without Autopay. Approval typically requires a credit score of 640 or higher. Typical credit limit: $5,000 to $50,000 (minimum amount may vary by state). Loan terms: Fixed rate, 2 to 7 year terms. This product reports activity to your personal credit report. Specifically designed for credit card debt consolidation. Pays creditors directly. Origination fee 0%-5%. Terms 2-5 years. Low max APR compared to competitors.