Happycash- Easy and happy loan 1.2.3

HAPPY CASH is a mobile loan application designed to provide a personal credit line with rapid approval processes and no processing fees.

Personal Credit Line Terms:

• Credit limit: ₱2,000 to ₱25,000
• Loan terms: 91 to 180 days
• 0% processing fee
• Maximum Annual Percentage Rate (APR): 180%
• Applicable taxes (DST & GRT): Not applicable

Representative Example of Loan Costs:

A 91-day loan for ₱20,000 at a 15% interest rate results in:

• Total interest fee: ₱20000 * 15% / 365 * 91 = ₱747.90
• Service fee (10%): ₱20000 * 10% = ₱2,000
• Total repayment: ₱20000 + ₱747.90 + ₱2,000 = ₱22,747.90
• Monthly repayment: ₱22,747.90 / 3 months = ₱7,582.63

Product Enhancements:

HAPPY CASH is committed to continuously improving its offerings. Users are encouraged to reach out if they notice any differences in available products.

Privacy & Permissions:

The company prioritizes user privacy and assures that personal information will never be disclosed without consent or sold to third parties. Disclosure Statements will be provided prior to loan approvals in compliance with the Truth in Lending Act.

Key Features of HAPPY CASH:

Eligibility Requirements:

• Must be at least 18 years old
• Filipino citizen
• Must possess one government-issued ID
• A stable source of income is required

Application Process:

1. Create an account using an active mobile number.
2. Complete the online loan application form.
3. Await evaluation and approval.
4. The funds will be disbursed immediately through the preferred cash-out method.

Reasons to Consider HAPPY CASH:

• High Loan Amount: Borrow up to ₱25,000 and increase limits with timely repayments.
• Easy Application: Requires only valid government-issued IDs, without collateral, via an online process.
• Low Interest Rate: Daily interest is set at 0.2%, with no hidden fees.
• Fast Cash-out: Receive funds in minutes directly to your bank account or via GCash.

Company Overview:

Coper Corporate Name: YINSHAN LENDING INC., operating as HappyCash. It is regulated by SEC as a finance company with Certificate of Authority No. CA-2860.

Contact Information:

• Facebook: @HappyCash
• Website: www.happycash.ph
• Customer Service Phone: 09085848852
• Email: [email protected]
• Office Hours: Monday to Sunday, from 9 am to 6 pm
• Address: Unit 300, 3F, LDM Building, 50 Polaris Street, Poblacion, Makati City, Philippines

The privacy agreement can be accessed at: Privacy Agreement

The commitment of Happy Cash towards transparency and fairness in financial services aims to enhance the lives of Filipinos by providing accessible financial solutions.