Request up to $5,000 or more as soon as tomorrow!

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10%

APPLYING FOR $1,000

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Providing your SSN is SAFE. Helps verify your identity and is kept secure using encryption.

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Life happens. BillsHappen.com is here to help connect you.

Whether you find yourself with an unexpected bill, a necessary home or car repair, or many other types of financial need, BillsHappen.com is your trusted source to help connect you with responsive lenders in our dependable marketplace. This network of extensive lenders may provide you with financial assistance fast - often as soon as the next business day upon lender approval, and easily online.

Quick and Easy

Connect with a lender in minutes

Request up to $5,000+

Lenders may deposit cash directly to your account in as little as 24 hours upon approval

Peace of Mind

Your information is protected by the latest encryption technology.

The annual percentage rate associated with an extension of credit is an amount based on the total cost of a loan you receive from your lender. As you review any offers that you may receive when connected to a lender through our website, you are encouraged to carefully assess your budgetary constraints and ability to repay. Each individual borrower could receive varying rates based on their creditworthiness and other factors as stipulated in your loan agreement. Consumers should consult the TILA box in any loan documents provided by lenders for real values. Please borrow responsibly.

How it works

Submit a Quick and Simple Online Form.

No storefronts to drive to, no lines to stand in. Submit your information completely online through our safe and secure form. billshappen.com never charges a fee for our service.

Up to $5,000 in Your Account As Soon As Tomorrow upon Lender Approval

Once you submit your information on the safe and secure website form, we will pass it to a network of lenders who will then review it instantly. If a lender decides to work with you, you will then be redirected to their website and presented with an offer. There, you will have an opportunity to review all material terms associated with your loan, and if you accept, your money may be transferred directly to your account in as little as 24 hours upon lender approval. This service is free to use and there is no obligation to accept a loan from a lender after reviewing terms.

What you'll need

Mobile Phone

A mobile phone helps us reach you

18 or Older

You must be at least 18 and be a US citizen or permanent resident

SSN

Identity verification

ID

You'll enter this into the form

Your Address

Where are you located

An Income Source

How do you receive funds to repay the loan

Banking Account

Tell your lenders where to send the funds

Bad Credit?

All credit types welcome!

We are here to help

What is a Personal Loan?

A personal loan is typically an unsecured loan, meaning it doesn’t require collateral. These loans can be used for a wide range of purposes, such as consolidating debt or paying off credit cards. As with any financial product, it is important to use personal loans responsibly and carefully review all material terms presented by a lender before accepting an offer.

What is a Short-Term Loan?

Short-term loans are intended to cover immediate financial needs or emergencies, such as unexpected medical expenses or urgent car repairs. Loan amounts typically vary up to $1,000, with repayment terms ranging from under 30 days (as with payday loans) to weekly or monthly installments (as with installment loans). Loan terms will vary based on different lenders and each individual consumer’s situation.

Why do you collect my SSN and bank details?

Lenders in our network use your Social Security Number (SSN) and bank information to evaluate your loan request, gauge creditworthiness, and determine eligibility. Your bank details also allow the lender to deposit funds directly into your account if approved. We use industry-standard encryption to help protect your personal information. Additionally, your SSN helps verify your identity and prevent fraud.

Are you a lender?

No, the operators of this website are not lenders, creditors, and do not broker loans or make credit decisions. We partner with a network of lenders to help connect you with potential loan offers. If your request is approved, you’ll be directed to the lender’s website, where you can review the details and terms of your specific offer.

Will I qualify if I submit a request?

Submitting your information on this website does not guarantee that you will be connected with a lender or qualify for a loan or financial product. Eligibility for short-term loans varies by state and by each lender’s specific requirements, so some applicants may not qualify. Additionally, this website does not represent all lenders in the market. You are encouraged to carefully review your options, perform your own research, and compare available loan options and offers before accepting credit.

Important Disclosures

Disclaimers: The operators of this website are not lenders, financial institutions, creditors, and do not broker loans, determine creditworthiness, or make credit decisions. Therefore, the operators of this website have no determination in determining whether a consumer will be approved for a loan by a lender they may connect with using the services offered on this website. This website offers a free service which collects a consumer’s submitted information and passes it to third-party lenders in its network, which may offer certain financial products. Submitting information through the website form does not guarantee that a consumer will connect with a lender or qualify for a loan or a specific amount of credit. The typical loans products offered by lenders which consumers may connect with are not long-term financial solutions but instead, are intended to provide temporary credit to resolve immediate financial needs or emergencies. The operators of this website receive monetary compensation from the lenders a consumer may connect with and whose products are presented through the website, such as a referral for each consumer request they receive. To summarize, the operator of this website earns referral fees from passing information to lenders. This form of compensation will impact which lenders a consumer may connect with or which offers a consumer may receive from a lender. Not all loan products available to consumers in the marketplace may be offered through our free service or available through the lenders you may connect with and consumers are encouraged to conduct research prior to the acceptance of credit. Lenders that consumers may connect with through our service will likely perform credit checks through credit reporting bureaus while also verifying the information a consumer provides on the website’s form, including but not limited to: social security number, address, phone number, employment history, and bank account information. By submitting information on this website, consumers are providing express written consent, in accordance with the Fair Credit Reporting Act, for lenders to access your credit reports, credit scores, and related consumer information. Furthermore, our service works with several types of lenders, including national and state licensed and tribal lending institutions. Indian tribes that are federally recognized are independent sovereign nations, meaning that their wholly owned entities are generally not subject to certain laws and regulations governing lending, such as rates, fees and other loan related conditions. Consumers that connect with tribal lending institutions on this website are encouraged to review all material terms, including rates, as they may be higher than those rates offered by certain state licensed lenders. Lenders you may connect with are required by federal law to disclose material loan terms and conditions to consumers, such as rates and fees. Non-payment of loans may impact a consumer’s credit score negatively if a credit provider chooses to report delinquencies. Additionally, failure to repay loans may result in nonpayment penalties and collection activities. This operator of this website does not recommend, endorse, or warrant any product or service. You are under no obligation at any time to accept any offer from a lender or financial service provider. For more information, visit our Disclosure page.

Availability: The products and services offered by lenders in our network may not be available in every state. If a consumer resides in a state where certain products or services are not offered or available, then the consumer will not be able to be connected to a lender. No services contained on this website shall constitute an offer or solicitation for any financial or loan products that are prohibited by state law.

Billshappen.com® is an exclusive trademark of Winston Wolfe Media Group, LLC (“WWMG”). WWMG does not operate this website and is not a lender and does not make credit decisions. WWMG reserves all rights. Unauthorized copying, distribution, or dissemination of any kind is prohibited.