GoHappyFunds
Rolling golden hills at sunrise with a single winding path behind the GoHappyFunds personal loan request form, $100 – $5,000

Personal loan requests$100 – $5,000All credit types considered

Send your request

$100 – $5,000 · as soon as the next business day, if approved

256-bit SSLChecking your options won't affect your credit scoreFree

  • Free to send
  • Soft inquiry only
  • All credit types considered
  • One request, a whole network

You've held it together all month. This week is the heavy one.

One short request, $100 – $5,000, read by a network of lenders. Checking your options won't affect your credit score. GoHappyFunds is a connection service, not a lender.

Lines you might know

Lines from a week that ran long.

  • The school pictures, the field trip and the book fair all landed in one week.
  • The AC quit on the first ninety-degree day.
  • The landlord fixed the leak and raised the rent in the same email.
  • Your grown kid offered to help. You said you were fine.
  • Payday is the 30th. The month has thirty-one days.
  • Three good weeks. One expensive Thursday.

If one of those is yours, the form at the top of this page was built for exactly that week. One request, $100 – $5,000, read by a network of lenders. Some lenders fund as soon as the next business day, if approved.

Start my request
Sunlit golden hillside under low morning light, the GoHappyFunds promise of loan terms shown in full before you agree, $100 – $5,000

In daylight

Everything in daylight.

The rate, the fees and the repayment dates reach you before anything is signed. Read them at the kitchen table. Decide on your own time.

How a request travels

Morning to afternoon

From sent to settled, in three stops.

You write the request. Lenders in the network look it over. The last stop is a decision that stays yours.

  1. Write it in a few minutes

    Amount, contact details and a little about your income. On your phone, encrypted end to end.

    Sent once

  2. Lenders look it over

    Your request goes to a network of lenders and lending partners. Each decides on its own terms; nobody here answers for them.

    Replies often in minutes

  3. Say yes, or don't

    An offer arrives with its rate, fees and dates spelled out. Accept it, or close the page with nothing owed.

    If approved, as soon as the next business day

What stays steady

Same ground under every request.

GoHappyFunds is not a lender. One request, carried to lenders who decide on their own terms, with nothing added on the way.

  • Not a lender, and we say so

    GoHappyFunds connects your request to lenders. The lender decides, the lender sets the terms, and we say that plainly every time.

  • Free to look, free to leave

    Sending a request costs nothing, and no offer has to be accepted. Walk away with nothing owed.

  • Your score is not the price of asking

    Checking your options is a soft inquiry. It won't affect your credit score.

Guides

Guides for a clearer morning.

Plain-English reads on the parts of a small loan that decide what it costs and how it feels to repay.

Fees

Origination, late and NSF fees: the three charges to find in a small loan offer

Where each fee sits in the paperwork, what a reasonable version looks like, and how to compare two offers fairly.

Read the guideIncome

Proving income without a pay stub: bank statements, 1099s and award letters

Gig earnings, benefits and pensions on a request, and the documents that stand in for a stub.

Read the guideRepayment

A repayment cushion: setting money aside before a small loan comes due

Match the due date to your deposit, hold the payment safely, and what to do when the cushion will not be there.

Read the guide

Asked often

Asked often, answered plainly.

Is GoHappyFunds a lender?

No. GoHappyFunds is a loan connection service. Your request goes to a network of lenders and lending partners, and any offer comes from the lender, on the lender's terms.

Will sending a request leave a mark on my credit?

Checking your options won't affect your credit score. If you go ahead with a lender's offer, that lender may run a fuller credit check, and the disclosures in the footer explain the authorization you give for it.

How much can I put on one request?

Between $100 and $5,000. A lender may offer less than you asked for, or on different terms, and you will see that in writing before you agree to anything.

When could the money show up if a lender says yes?

The lender sets the timing. Some lenders fund as soon as the next business day, if approved. Weekends and bank holidays can add a day, and the lender tells you its schedule before you accept.

What if my income is from gig work, benefits or a pension?

Lenders in the network consider many kinds of income. Expect to show a steady pattern, such as recent bank deposits, a 1099 or a benefits award letter, rather than a traditional pay stub.

Do I have to accept an offer?

No. You can read an offer in full and walk away without owing anything. Accepting is a separate step you take with the lender, on the lender's own page.

When you're ready

Head back up when you're ready.

One request, $100 – $5,000, sent to a network of lenders. Free to send, and nothing to sign until you choose to.

See my options