Q: What if I do not have perfect credit score? Do I still qualify for a loan?

A: Credit scoring is only one of the factors we look at when assessing client’s profile. A less than perfect credit rating will not deter you from getting a loan. Our loan packages are designed to help people of all kinds of profile.

Q: How will I know if my loan is approved?

A: Once your loan is approved, our consultants will call you to inform you. Happy Cash reserves the right to make adjustments to your loan approval until the time you receive the cash.

Q: Can I still apply for a loan if I still have an existing loan?

A: Yes, of course you are eligible to apply for another loan, provided you have a good track record from your existing loan.

Q: How do I repay my loan?

A: Repayment can be done through several methods, including Giro, bank transfer or you may come down to our office for cash payment.

Q: Are there any penalty if I would like to make an early redemption?

A: No, there are no penalty charges. In fact, Happy Cash will do an interest rebate on full early redemption. Therefore, the earlier you fully pay off your loan, the more interest you will save.

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