Rating based on 36 reviews

Loan Happy – Short-term loans


  • Short-term loans up to R25,000
  • Repayment up to 72 months

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Loan Happy homepage

Author Loan Happy. Screenshot of Loan Happy website. [Accessed May 13, 2018]

About Loan Happy

Loan Happy is a countrywide brokerage and we dedicate ourselves to providing our customers with an easy, simple and open way to get a personal cash loan.

We are a new upcoming short term loan finding service and we pride ourselves in making sure that your experience with us will leave you feeling happy and pleased with our service.

We have access to numerous lending partners that may be able to assist you in finding a cash loan that meets your financial needs. You have nothing to lose so why not apply now!

Quick and easy support

We offer a one-stop shop so whether you have applied or still looking to apply for a loan we are able to assist with any questions or queries that you may have. The online loan application form takes only a few minutes to complete.

We aim to have the fastest turnaround time and will do everything in our power to get your loan approved as soon as we can.

Blacklisted borrowers welcome!

We aim to give borrowers the best attention possible, whether you are blacklisted or not. Loan Happy will do everything possible to find a bad credit loan for you no matter what your credit listing is.

We strive to give you the best possible loan so that you too can have that power to achieve your dreams. You can apply for a loan of up to R250 00.

Apply today its fast and it’s easy we try our very best to make it simple and hassle-free.

Loan Happy Services

You’ll be surprised at how low our rates are! Apply for a loan today and get the best product we have to offer with top class support.

Apply for a loan now and get the best product with top class support!

How to apply for a loan

Go to our website www.loanhappy.co.ca and complete our online application form.

Loan Happy is only offering personal loans, but you could use this loan for whatever your needs may be perhaps you would like to finance a vehicle or consolidate your finances.

Once you have done the online application you should have a response within 24 to 48 hours providing you with the information that is necessary regarding interest rates, repayment terms and acceptable period etc.. Please be make 100% sure that you understand the terms and conditions before submitting your application.

Please be advised that the following requirements are necessary in order for Loan Happy to consider your short-term loan application.

You need:

You need to be a South African resident, 18 years or older, you will need to earn an income of R1500 or more, a recent payslip and bank statements for the last 3 months.

If you are self-employed you need:

In order for you to get a quick cash loan e will require a certified copy of your ID document/card, 6 months personal over the counter bank statements, a letter from your accountant confirming monthly drawing, a certified proof of address, and IRP5 or ITA34 from SARS

Loan Happy Product Details

  • Loan Type Short-term loans
  • Loan Amount up to R25,000
  • Repayment 12 months to 72 months

Summary of Services

  • SHORT-TERM Loans

Loan Happy - Our loans will make you smile

The repayment period is normally between 12-72 months, but it depends on the amount you are suitable for as well as your affordability. 

Several people apply for personal or loans for bad credit but are unaware that terms and conditions can be negotiated.

How does being blacklisted affect you?

When you miss payments on your accounts for e.g. a retail account, perhaps a car payment within the agreed amount of time, the loan will revert to default and your name is listed with the credit bureau.

Credit providers or financial institutions will pick this up when a credit check is done; it shows that you do not honour your agreement or contract signed by you. A bad credit review can prevent you from securing any further loans or any type of finance.

Being listed as a slow payer will immediately drop your credit score. The credit provider or financial institutions often make use of their collection departments to list you as a slow payer with the credit bureau.

Our economic crisis in South Africa resulted in retrenchments, with the increasing difficulty for new job opportunities have led to many people being blacklisted and so could no longer honour their financial commitments.

It may be very difficult for people to apply for short term loans when turning to financial Institutions for assistance because of a poor credit record, due to financial difficulties in the past. To put you’re your mind at ease, you no longer have to put yourself under unnecessary financial pressure.

Fill in our online application and provide us with the required documents when we request them. We will go to the panel of South African lenders and assist in every way possible.

What is the R350.00 fee for?

R 350 is a once off service fee.

Customer support

Should you have any queries or a question, please submit a query form (you will find this online) and we will get back to you as soon as we can. Our support portal is easy to use and it only takes a few minutes

Support portal

We, at Loan Happy, would like to thank you for your support and making use of our support portal as this is the fastest and most efficient way to get the help that you need regarding your study, personal or payday loan.

By just answering a few simple questions, we are able to assist you with any other questions you may have regarding a loan or loan application already submitted.

You have absolutely nothing to lose! Only a personal loan to gain.

Customer Reviews & Testimonials

May 2018

Everything is definitely right there in the name; with the assistance of Loan Happy I was able to place myself in a much better position financially. All of my financial stresses are a thing of t...

Natasha K
— Cape Town —

April 2019

As a self-employed individual getting finance is not easy; many lenders view you as a financial risk and are not willing to take the chance of lending to you. But Loan Happy is definitely the exc...

Claudia L
— Alice —

January 2019

Loan Happy’s application process will definitely put a smile on your face. It is online, fast, simple and highly convenient. I made myself a cup of coffee, sat down and finished it before my mug ...

Jonathan M
— Port Elizabeth —

Loan Happy Contact Details

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