Yes, Happy Money is a legitimate business. It is a financial technology company that offers personal loans and credit card refinancing services to help people pay off debt and achieve financial wellness. The company has received investments from reputable venture capital firms, and it is registered with the appropriate regulatory authorities.

It depends on your individual financial circumstances, but generally, Happy Money has flexible eligibility requirements and considers factors beyond just credit scores when evaluating loan applications, such as employment history and income stability. This can make it easier for some borrowers to qualify for a personal loan compared to traditional lenders, but it ultimately depends on each applicant’s specific financial situation.

No, Happy Money does not offer cosigners or joint loans at this time. Happy Money’s personal loans are based on individual creditworthiness and financial history, and the borrower is solely responsible for the repayment of the loan.