Finance Your Next Move
At Happy Credit, we believe access to credit shouldn't be complicated, slow, or stressful. Whether it's a medical emergency, a home renovation, your child's education, or simply bridging a cash-flow gap — we're here to help you take your next step forward, with confidence and a smile.
Making borrowing feel human again.
Happy Credit is a digital lending platform operated by Happy Credit and Finance Private Limited, which functions as a Lending Service Provider (LSP) in accordance with the Reserve Bank of India's Digital Lending Guidelines. We partner with RBI-registered Non-Banking Financial Company (NBFC), to bring you fast, transparent, and fully compliant personal credit solutions — all from the convenience of your phone or laptop.
“We don't just process loan applications. We make borrowing simpler, clearer and more human.”
Our Mission
Credit that moves
at your pace.
To make credit fast, fair and accessible for every Indian — replacing paperwork and uncertainty with a simple digital journey you can trust from application to repayment.
Designed for clarity, built for you.
Fast
A streamlined digital process helps you complete eligibility checks faster and receive your approved funds promptly.
Trusted
We operate in partnership with an RBI-registered NBFC and follow applicable RBI Digital Lending Guidelines, with upfront disclosures through a Key Fact Statement.
Simple
Interest rates, fees and repayment terms are clearly presented before you proceed — no confusing jargon or unexpected surprises.
Hassle-Free
Our digital journey is designed to reduce friction at every step, with dedicated support and grievance redressal when you need it.
Built around trust, transparency and responsible lending.
Regulatory Compliance
We operate within the applicable RBI Digital Lending Guidelines and the Digital Personal Data Protection Act.
Data Privacy
Your personal and financial information is collected with your explicit consent and used only for the disclosed purpose.
Fair Practices
No hidden charges and no coercive recovery tactics — just transparent lending.
Support When You Need It
Our grievance redressal team is committed to addressing your queries fairly and promptly.
Our Company
Happy Credit and Finance Private Limited
CIN: U64920DL2026PTC461612
353, Ground Floor, Bharat Apartment, Pocket-3C, Sector-16B, Dwarka, New Delhi 110078
Our NBFC Partner
P.A. SECURITIES PRIVATE LIMITED
CIN: U67120DL1995PTC067741
708–709, Gopal Heights, Netaji Subhash Place, Shakurpur, Delhi – 110034.
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