Frequently Asked Questions

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  Does it cost anything to find a lender?

There is no cost to fill out a form and submit your information through the online marketplace. If a lender decides they would like to work with you, they will pay us a fee to acquire the lead information you submitted. Please carefully review any offer you receive from a lender to make sure it meets your needs and you understand the terms associated with the offer. Get Started Now!

  How long does the loan request process take?

If you complete the form today, you will get a decision from a lender within minutes. To speed the process up please have your State Drivers License and your current banking information handy, lenders will require your routing and account number in order to deposit your funds. Once you have signed a loan agreement, your funds should be available as soon as the next business day. The exact availability timeframe will depend on the lender’s deposit process. Get Started Now!

  What is a personal installment loan?

Personal installment loans are unsecured loans that can range from $100 to $10,000. Loan amounts depend on the individual’s credit and state loan laws. Personal loans do not require collateral, and can be paid back in multiple installments. These loans are a quick and convenient way to borrow the funds you need today. You can request one from the comfort of your own home and have loan repayments taken directly out of your bank account on a set date. Get Started Now!

  What types of loans do you offer?

BillsHappenTM is not a lender but can connect you with a lender in our network. Get Started Now!

  How soon will I get my money?

If a lender offers you a loan and you accept the loan offer right away, you may be able to get the money deposited directly into your account as soon as the next business day. If you accept the loan offered to you on a non-business day, weekend, or holiday, that may affect how long it will take for you to get your money. Get Started Now!

  How do I get the money?
  1. Fill out an online loan request form here. This gives lenders the information about you they need to fund your request. Once you submit your request, we will send it to our lenders.
  2. If you are approved, you will be forwarded an agreement, where the lender will explain their specific terms and conditions, including your repayment amount. Review these terms and conditions carefully before you sign the agreement.
  3. Shortly after you have completely accepted the loan, the funds will be deposited directly into your bank account. The exact amount of time it will take for the deposited funds to become available will depend on the time of the loan approval and your bank’s specific policy.

BillsHappenTM is not a direct lender. We connect consumers seeking loans with our trusted lender network. Our online loan request form is intended to find you available loan options, and you can decide the rest. We charge no fee for our service. Get Started Now!

  How can I qualify for a loan?

You may submit a request for a loan if you meet the requirements. You don’t have to have perfect credit to get approved for a loan. You are more likely you are to get approved by a lender if you have higher income and credit scores. Get Started Now!

Minimum requirements include:
  1. 18 years or older
  2. Valid social security number
  3. U.S. citizen or permanent resident
  4. Employed, self-employed or receiving benefits
  5. Most lenders require a valid checking account to deposit your funds
  Will you pull my credit score?

BillsHappenTM and/or the lenders that we work with may do a “soft” inquiry on your credit to determine eligibility. Typically, a “soft” inquiry is done initially and then a “hard” credit inquiry may be done later in the loan process by a lender. We also abide by the Fair Credit Reporting Act. Get Started Now!

  Do you serve non-US customers?

We only work with US residents currently. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont, Connecticut, New Hampshire, Montana, South Dakota, Indiana, Minnesota and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice. Get Started Now!

  How much money can I get?

You can request a loan ranging from $100 to $10,000. The amount you will be approved for will depend on many different factors including the lenders requirements. Get Started Now!

  What will my rates be?

Since we work with many lenders and a variety of loan products, loan rates and APR can greatly vary between lenders. Get Started Now!