The Payoff (Happy Money) Personal Loan Good Credit is a personal loan from Payoff (Happy Money) Personal Loan. The annual fee is $0. The ongoing APR is 7.95%. Approval typically requires a credit score of 640 or higher. Typical credit limit: $5,000 - $50,000. Loan terms: $5,000-$50,000. 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.