HappyCash

HappyCash is a financial support application dedicated to being your reliable partner in all financial activities in the Philippines. HappyCash Loan offers a simple and quick way to get the money you need, right from your smartphone. Discover the incredible benefits of the app with us.

Why Choose HappyCash for Your Loan Needs?

HappyCash has earned the trust of hundreds of thousands of users in the Philippines, thanks to its outstanding benefits:

• Fast Approval and Disbursement: HappyCash’s streamlined and always-online approval process ensures quick disbursement, helping you meet urgent financial needs without long waits.
• Convenience: Registering for a loan online via the app allows you to borrow money without leaving your home and eliminates cumbersome paperwork.
• Customization: The app enables you to select your loan amount and repayment plan according to your personal needs.
• No Need for Guarantors or Collateral: Borrowing money through the app is simple and easy—you don’t need a guarantor or collateral; just download the app to your phone.
• Flexible Disbursement Options: HappyCash is supported by GCash, PayMaya, and many convenient disbursement options to meet your diverse needs.

Simple Conditions for a Preferential Loan

Registering for a loan with HappyCash is straightforward and requires just a few simple conditions:

1. Age and Citizenship: You must be a Filipino citizen and over 21 years old to ensure that you are of legal age to engage in financial transactions.
2. Identification: You need at least one valid identification document, such as an ID card, passport, or any other official document recognized by the government.
3. Contact Information: You need a mobile phone number so that HappyCash can contact you and verify your information when necessary.

With these three basic requirements, anyone can easily register for a loan and access capital at HappyCash.

Loan Amounts, Limits, and Interest Rates

HappyCash offers flexible loan options to meet your financial needs:

• Loan Amounts: Borrow from ₱2,000 to ₱25,000.
• Loan Terms: The loan term ranges from 91 days to 180 days.
• No Processing Fees: Happy Cash does not charge processing fees, helping you save costs.
• Interest Rates: The maximum annual percentage rate (APR) is 180%.

Example Calculation

To better understand the costs when borrowing from HappyCash, here’s an example:

If a customer borrows ₱10,000 for a term of 180 days with an interest rate of 6% per month, the fees would be:

• Interest payable: ₱10,000 * 6% / 30 * 180 = ₱3,600
• Service fee equivalent to 7%: ₱10,000 * 7% / 30 * 180 = ₱4,200
• Total repayment amount: ₱10,000 + ₱3,600 + ₱4,200 = ₱17,800
• Monthly repayment over 6 months: ₱17,800 / 6 = ₱2,966.67

How to Get Started with HappyCash Loan

To borrow money online with HappyCash, follow these simple steps:

1. Download the App: Install the HappyCash app on your phone. First-time users need to register an account.
2. Complete the Form: Fill out all the required information in the form on the app and verify your identity as instructed.
3. Enter Loan Information: Select the loan amount and repayment term that suits you.
4. Wait for Approval: The system’s approval process takes only a few minutes.
5. Receive Funds: The disbursed funds can be received through your bank account, GCash, or PayMaya.

Remember to monitor your repayment schedule and ensure timely payments to avoid unwanted costs. HappyCash’s “wallet” is always with you. Make sure to read the loan terms and conditions carefully to stay in control.

HappyCash – A trusted loan application by hundreds of thousands of customers in the Philippines. Every feature is meticulously designed, from the user-friendly interface to the information security system, reflecting HappyCash’s commitment to providing optimal loan services.