Designed to provide peace of mind with your personal loan – at no additional cost

Eligible Happy Money Personal Loans* automatically come with TruStage™ Payment Guard Insurance for loan payment protection.†

You can rest easy knowing your loan is automatically protected with TruStage™ Payment Guard Insurance*. Payment Guard gives you an extra layer of safety for your loan payment. If you experience a covered job loss or disability, and your claim is approved, Payment Guard will pay a benefit equal to 3 months of your monthly loan payment, up to the policy maximums, directly to Happy Money who will apply it to your loan payment obligation.

Automatically protected for no additional cost*

No enrollment. No premium to pay. No additional cost to you. Plus a fast and convenient claims process.

Keep reducing your outstanding loan balance

With an approved claim, Payment Guard will pay a benefit equal to 3 months of your monthly loan payment which will be applied to your loan payment obligation.

All the same benefits, plus more

Low fixed rates, no hidden fees, and now with the added protection of Payment Guard Insurance. And, of course, applying for a personal loan won’t impact your credit score.**

You can file a claim by logging in to your Happy Money account or by calling 1-877-909-7900

* Happy Money works with Lending Partners who originate loans. Only loans applied for and issued on or after January 23, 2023, are covered under the TruStage™ Payment Guard Insurance Policy. Please refer to the certificate of insurance, provided to you with your loan origination documents, for terms and conditions of the coverage. Some exclusions apply. Claims must be submitted for review and approval to CUMIS Specialty Insurance Company, Inc.

** Checking your rate generates a soft credit inquiry that is only visible to you. A hard credit inquiry that can affect your credit score appears when your loan is issued.

† TruStage™ Payment Guard Insurance is underwritten by CUMIS Specialty Insurance Company, Inc and not by Happy Money. CUMIS Specialty Insurance Company, our excess and surplus lines carrier, underwrites coverages that are not available in the admitted market. Product and features may vary and not be available in all states. Certain eligibility requirements, conditions, and exclusions may apply. Please refer to the Group Policy for a full explanation of the terms. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705.

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