State Disclosures
Happy Cash arranges for loans from an unaffiliated third-party lender in accordance with all federal, state statutes, regulations and local ordinances.
Texas
Happy Loans LLC dba Happy Cash operates as a Licensed Credit Access Business (CAB) with the licensed number 163669 with business address of the licensed location at 9954 FM 1960 Bypass
Road W, Humble, Texas 77338. Licensed business is regulated by the Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207.
Loans arranged with an unaffiliated third-party lender by Happy Loans, LLC DBA Happy Cash, a licensed credit access business, and subject to lender’s approval. Checks may be issued
instead of cash.
An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet
immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.
Licenses
We are licensed as a Credit Access Business (CAB) and registered as a Credit Services Organization (CSO).
Credit Access Business License
Credit Services Organization Registration Certificate
Consumer Credit Notice
This business is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting
the business, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800)
538-1579. Fax: (512) 936-7610. Website: occc.texas.gov. Email: consumer.complaints@occc.texas.gov. Email:
consumer.complaints@occc.texas.gov
An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet
immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.
CSO Fee Schedule
Application Expiration
For incomplete and unsubmitted applications, pricing (including APR and fees) quoted for the requested terms is locked in for 7 days from the origination date of the application. For
approved applications, pricing (including APR and fees) quoted for the requested terms is locked in for 30 days from the origination date of the approval.