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Get the money you need, when you need it.

BillsHappen® is an intelligent marketplace designed to help you find a personal loan lender now. With BillsHappen® you can find hassle-free financial assistance from reputable lenders, fast. Get the funds you need from a lender fast — sometimes by the next business day!*

Easy Request Process

We offer you simple, quick and secure access to lenders

Fast Decisions

You could get your funds from a lender as early as the next business day*

Safe & Secure

We use the latest SSL technology to keep your information private and secure.

How it works

Submit your request in just a few minutes

The entire process is safe, secure and completely online. No one to deal with in person, BillsHappen® does not charge you any fees to use our service.

Get the money you need — fast!

Once you’ve completed the form, your information is reviewed instantaneously by lenders to determine if they would like to work with you. If a lender decides they would like to work with you, you will be redirected to their website where you complete the lender’s forms, review the loan terms, and if agreeable to you, accept the loan to collect your funds as early as the next business day.*

We do all of the hard work

You just have to fill out a few simple fields and we do the rest. You could have a response sooner than you think!

What you’ll need

Driver’s License

A valid state driver’s license is required for each request


Your social security number is needed to verify your identity

Cell Phone

A home or cell phone is required to contact you

At Least 18

US citizens or permanent residents over 18 years old

Bank Account

You’ll need a checking or savings account

Home Address

It does not matter if you rent or own


You must be employed, self-employed or receiving benefits

Any Credit

It doesn’t matter what your credit score is!

Common Questions

  • I have bad credit. Can I still find a lender?

    Yes. You may still qualify for a loan with bad credit.

  • What's my interest rate and when do I need to pay back the loan?

    Your interest rate and repayment schedule will vary based on the lender you're connected with. Once you are connected with a lender, you'll be transferred to the lender's website to review and approve the repayment terms for your loan.

  • How will I know if I am connected with a lender?

    After you submit your information, you will receive an on-screen message. Please note: It may take up to a minute or more to determine if a lender will work with you, so do not close or navigate away from this page after completing the form.

  • What can I use my loan for?

    You can use your funds for any purpose. Personal expenses such as auto repairs, debt consolidation, home improvement and medical expenses are common reasons.

  • Can I get find a lender today?

    If you get started today, you will receive a quick response. If you are connected with a lender, your funds could be in your account in as soon as tomorrow. Money transfer times may vary between lending partners and may depend on your individual financial institution.

  • I have a fixed income. Can I still find a lender?

    Yes. Many lending partners specialize in providing loans to people who receive various types of benefits such as Social Security, Retirement, or Veteran's Benefits.

  • Does it cost anything to get started?

    No. There is no cost to complete the form.

  • I have a job and also receive benefits. Which form of income should I use on my form?

    To make your form information as accurate as possible, specify the form of income that represents a higher percentage of your monthly income.

  • How is my private information protected?

    Your information is encrypted and securely transmitted to the lender, who then decides whether to fund your loan. We use AES256 bit encryption to protect all data in transit.

How much could a lender offer you?

Just answer a few questions about yourself and see if a lender is willing to work with you in minutes. Filling out the form won't affect your credit score.