Happy Loans
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Other services we provide

Welcome to Happy Brokers
12 July 2020

Personal Loans Personal Loans
Car Finance Car Finance
Debt Solutions Debt Solutions

Personal Loans

We can provide Personal Loans for customers in England, Wales, Scotland, Northern Ireland and the Isle of Man. Decision turn-around time 24-48 Hours for decision in principle.

Applications Process
Applications are submitted online direct to our personal loan panel.

If the application is accepted in principle, the lender will contact the client to advise what product(s) they are able to offer them.
If the client accepts the offer, they will usually have to make an appointment to visit a local branch, where they will be asked to provide proof-of-income and other relevant documentation or they can make a postal application if they wish. If the application is initially declined, the lender will not contact the customer.
The intermediary can choose to have their declined application assessed for a suitable alternative, such as a Secured Loan.
Submit a case online and keep updated with our tracking system, when you log in. If you are not a member why not register now!

Car Finance

Is your client looking for finance to purchase a car? No problem we can help. Your client could get their car the same day they apply for finance. All we ask is that:
The loan is just to purchase a vehicle.
They take home £650per month.
They wish to purchase the vehicle from a motor dealer.
They are aware that all funds are paid direct to the motor dealer.

Our Promise to you:
  • We have no contractual ties to any Garage or Dealership.
  • We will always source the best available rate for your client.
  • We always offer free HPI checks to ensure the validity of the chosen car.
Submit a case online and keep updated with our tracking system, when you log in. If you are not a member why not register now! Full details of our car finance offering is available in pdf format in your "my downloads" section.

Debt Solutions

If your client is unable to get a Secured Loan or release equity by remortgaging there are still solutions to allow them to take control of their debts. At Happy Brokers we have a number of ethical financial solutions available to help get your client back on track and offer a way forward.

The solution offered will depend on your client's individual needs, ranging from Debt Management, IVAs and Bankruptcy.

Do any of these triggers fit your client?
  • Client has unsecured debts greater than £15,000.
  • Client has 3 or more different unsecured creditors.
  • Client is currently paying more than £200 per month to unsecured creditors.
If so, we can work with them to resolve the situation, suggesting the right solution for them. We have a team of specialist advisors who advise and administer the rescue solutions.

Submit a case online and keep updated with our tracking system, when you log in. If you are not a member why not register now! Full details of our IVA offering is available in pdf format in your "my downloads" section.