Simple and convenient loan-finding service from Loan Happy
For many individuals who may be looking for access to extra cash during financially-challenging months, qualifying for a personal loan may provide the ultimate solution. While applying for a loan can sometimes be tricky, loan finding services have made this process much easier.
Loan Happy is one such loan-finding service provider.
About Loan Happy
A nationwide brokerage, Loan Happy provides clients with a simple, easy and open way to get access to a personal loan. With access to several, nationally-recognised lending partners, this financial institution provides clients with a convenient way to apply for a personal loan. By simply providing details online, clients may have access to a multitude of loans from various lenders that are affiliated with Loan Happy.
Services provided by Loan Happy
Loan Happy is essentially a loan-finding service provider. This means that loan applicants can submit their details to the institution and Loan Happy will do all the hard work of scouring the best loan solutions for individuals and their unique needs.
Personal loans are provided, with applicants receiving feedback within 48 hours of their application. Blacklisted individuals also get access to personal loans. Being blacklisted no longer means that individuals have to face extreme challenges when attempting to access additional funds. Lending institutions specialising in this type of finance, such as Loan Happy, will generally not look into your credit history as long as you meet the disposable income criteria.
Loans are granted based on affordability, rather than on credit history. You need to be able to prove to lenders that your income will be sufficient to cover costs of the home loan, despite your poor credit history.
There are also no limits on how individuals can use the personal loan once they have been approved.
In order to apply for a personal loan, Loan Happy requires the following from applicants:
- Be a South African resident
- Be at least 18 years or older
- Earn a monthly income of R1500 or more
- Provide at least 3 months’ bank statements reflecting your income
- Provide a recent payslip
Loan Happy also provides access to loans for individuals who are self-employed. The only difference is that these individuals may need to provide more paperwork, such as a certified ID, 6 months’ bank statements, a letter from an accountant, proof of address, IRP5 or ITA34 from SARS.
What are the benefits of choosing Loan Happy?
Loan Happy is proud of its record of efficient services and continues to provide fast turnaround times. Loan applicants can expect feedback on their applications within 24 hours.
By becoming a member of Loan Happy, individuals get access to more benefits such as Law advice.
The loan application process is simple and can be completed online. Loan Happy provides individuals with convenient access to tailored loan solutions at affordable rates. Blacklisted individuals also have access to loans. If you have a poor credit record, you may still be able to apply for a personal loan and Loan Happy will do the work of ensuring that you are linked to the right loan providers for your specific needs.