Happycash-Easy and happy loan

YINSHAN LENDING INC.

About this app

💸 HAPPY CASH is a mobile loan app that offers fast approval and 0% processing fee.💵

📑Product Introduction:
• Credit limit amounts: ₱2,000 to ₱25,000
• Loan term: 91 days - 180 days
• 0% processing fee
• Maximum Annual Percentage Rate (APR): 180%
• Applicable Tax (DST & GRT): N/A

REPRESENTATIVE EXAMPLE OF THE TOTAL COST OF A LOAN:
91-days(3 months) loan with interest rate of 15%, and principal amount is ₱20000
Total Interest fee: ₱20000*15%/365*91= ₱ 747.9
Service fee 10%: ₱20000*10%= ₱ 2000
Total repayment : ₱20000*15%/365*91+20000+2000=₱ 22747.9
Monthly repayment: ₱22747.9/3=₱7582.6

PRODUCT ENHANCEMENTS
We always work towards making our products better for our users. If you see offerings that differ from what is described above please don’t hesitate to contact us

PRIVACY & PERMISSIONS
We will never disclose any personal information with anyone that is not you without your permission, or sell your data to third parties

Before availing we will always generate a Disclosure Statement in compliance with the Truth in Lending Act for you to avoid surprises.

👉 KEY HAPPY CASH FEATURES

👉 WHO CAN APPLY?
👨‍👩 Loan application requirements:
✅ 18+ years old
✅ Filipino citizen
✅ Have 1 government-issued ID
✅ Have a stable income

👉 HOW TO APPLY?
1️⃣ Register your account with active mobile number
2️⃣ Fill in the Online Loan Forms .
3️⃣ Waiting for evaluation and get Approval
4️⃣ Money will be disbursed to your preferred cash-out method immediately.

👉 WHY TO APPLY?
📣High Loan Amount
- Get up to ₱ 25,000 approved loan amount
- Increase your limit with on-time repayment

👏Easily Apply
- Only need valid government-issued IDs without collateral
- Online process

👍Low Interest Rate
- 0.2% Daily
- Get the full amount, no hiddden fees

⚡️Fast Cash-out
- Get the money in minutes
- The cash sent directly to your bank account/Gcash

®️ WHO WE ARE
Corporate Name: YINSHAN LENDING INC. Operating under the name of HappyCash
Business Name: HappyCash
PSEC Registration Number: CS201900108
Regulated by SEC as Finance Company with
Certificate of Authority (CA) No.: 2860

😊 We love feedback and let you happy! 😊
❤️Contact us：
For any questions, feedback, or hesitations, please contact us via the following methods
📜Facebook: @HappyCash
💻️ Website: www.happycash.ph
📞 CS Phone: [phone]
📧 Email us at: [e-mail]
⌨ Office hour: 9 am - 6 pm Monday to Sunday
❤️Address: 26th Floor, The World Center, Gil Puyat Ave., Brgy. Bel-Air, Makati City, Philippines
Privacy agreement: https://happycash.ph/privacy-agreement0328

Happy Cash is different from other cash loan apps, Happycash is dedicated to improving the lives of Filipinos, ensuring transparency, fairness, and responsibility. We light the way for your happy life. 😊❤️❤️❤️

Ratings and reviews

I was first declined when I applied for a loan, but after waiting a week, I was approved for 1k+. I settled my balance early, yet when I applied again a month later, I was declined. Since then, I’ve reapplied three times but always get the same result, needing to wait 1–2 weeks each time. I don’t understand why, as I’ve paid on time and followed your policy. This cycle is very frustrating. Please look into this and fix the issue.

Even if they rejected me twice. I still give this app a 5 stars rate. Why? They have a long term payment, no harassing phone calls, no deduction. The amount you loan is actaully what you will receive. No hidden charges. It's a user friendly. And the interest rate is low. Kuddos to the team behind this lending app. May God bless you all.

Review for Happy Cash Lending App: I’ve been a loyal user of Happy Cash for quite some time, and I’ve always been happy with the service. I’ve borrowed and paid on time many times before. However, after fully paying my last loan, I can no longer borrow again—even though the app shows that I have a high credit limit. I’ve been trying for several months, but my applications keep getting declined. I hope this issue can be fixed soon cause I really like using this lending app.

What’s new

Upgrade the UI infomation and some functions~