Financial emergencies can strike when least expected, and having quick access to funds can make all the difference. Happy Cash is a digital lending platform designed to provide fast, secure, and affordable financial assistance to Filipinos who need immediate cash without the complexities of traditional loans.
Backed by Yinshan Lending Inc., a licensed financing company registered with the Securities and Exchange Commission (SEC) under Registration No. CS201900108 and Certificate of Authority No. 2860, Happy Cash ensures fair lending practices and transparent transactions for its borrowers.
Before applying, always take the time to review the loan terms, disclosure statements, and privacy agreements to make informed financial decisions.
💸 Quick Loan Approval – Zero Processing Fee
Happy Cash offers a flexible personal credit line with zero processing fees, ensuring that borrowers receive the full loan amount without unnecessary deductions. Whether it’s for emergencies, household expenses, or personal needs, this loan is designed to provide financial relief when it matters most.
📑 Loan Terms and Conditions
✔ Loan Amount: ₱2,000 – ₱25,000
✔ Loan Term: 91 – 180 days
✔ Processing Fee: 0%
✔ Maximum APR: 180%
✔ Applicable Taxes: None
📌 Loan Cost Breakdown (Example Calculation)
To help borrowers understand the total repayment amount, here’s an example for a ₱20,000 loan over 91 days (3 months) with a 15% interest rate:
🔹 Total Interest: ₱20,000 × (15% ÷ 365) × 91 = ₱747.90
🔹 Service Fee (10%): ₱20,000 × 10% = ₱2,000
🔹 Total Repayment Amount: ₱20,000 + ₱747.90 + ₱2,000 = ₱22,747.90
🔹 Monthly Repayment: ₱22,747.90 ÷ 3 = ₱7,582.63
✨ Why Choose Happy Cash?
💰 Higher Loan Amounts
✔ Borrow up to ₱25,000
✔ Increase your loan limit with timely repayments
⚡ Fast & Easy Application
✔ 100% online process – Apply anytime, anywhere
✔ Minimal documentation – Only a valid government-issued ID required
✔ No collateral needed
📉 Low and Transparent Interest Rates
✔ Daily interest as low as 0.2%
✔ No hidden charges – Borrowers receive the full loan amount
🏦 Instant Cash Disbursement
✔ Fast approval and payout within minutes
✔ Funds sent directly to your bank account or GCash
🔒 Safe and Transparent Borrowing
✔ No hidden fees – Full disclosure before loan approval
✔ SEC-registered lending company
✔ Data privacy protected – Your information is never shared or sold
👨👩👦👦 Who Can Apply for a Happy Cash Loan?
To qualify, applicants must meet the following criteria:
✅ Must be a Filipino citizen
✅ At least 18 years old
✅ Own a valid government-issued ID
✅ Have a stable source of income
📲 How to Apply for a Happy Cash Loan?
Getting a loan with Happy Cash is fast and straightforward. Follow these steps:
1️⃣ Register using an active mobile number
2️⃣ Complete the online loan application form
3️⃣ Wait for loan evaluation and approval
4️⃣ Receive your funds via your preferred cash-out method
🏢 About Happy Cash
✔ Corporate Name: Yinshan Lending Inc.
✔ Business Name: Happy Cash
✔ SEC Registration No.: CS201900108
✔ Certificate of Authority: CA No. 2860
📩 Contact Information
📜 Facebook: @HappyCash
💻 Website: www.happycash.ph
📞 Customer Service: 0908-584-8852
📧 Email: [email protected]
⌨ Office Hours: 9 AM – 6 PM (Monday to Sunday)
📍 Office Address: Unit 300, 3F, LDM Building, 50 Polaris St., Poblacion, Makati City, Philippines
🔒 Responsible Lending – A Loan App That Puts Filipinos First
Unlike many other cash loan apps, Happy Cash is committed to fair and ethical lending. By offering transparent loan terms, quick disbursement, and zero hidden charges, it helps Filipinos achieve financial stability without unnecessary stress.
Whether you need cash for medical emergencies, utility bills, education, or urgent personal expenses, Happy Cash is a trusted, safe, and reliable solution.
💡 Take control of your finances today with Happy Cash – because your financial security matters. 🚀
