Paying Off A Loan: Why does my loan status say "Add Account" or "Link Account"?

When an error flag of "Link Account" or "Add Account" appears on your Dashboard and Loans page,  you should have also received an email with one of the following headings: "Payment Transfer Cannot Be Made from Designated Account" or "Funding Source Removed on Happy Mango". Besides this article, the emails provide specific instructions on how to rectify these errors.

These error alerts appear when one of your outstanding loans is no longer linked to a bank account for making ACH payments on Happy Mango.  That means Happy Mango can no longer process ACH payment for that loan. If left unresolved, this will lead to late payments, potential default, and damaging impact on your credit.

When you sign up for automatic ACH on Happy Mango, you have designated a bank account as the payment source for your newly active loan.  This payment source stops to function and triggers an error alert when the designated bank account has been closed by the account owner or disabled as a payment source by the ACH processor following suspicious activities, e.g. transfers that have failed with one of the following error codes: R02, R03, R04, R05, R07, R10, R11, R13, R15, R17, R29, R38, R51.

How to fix the "Link Account" error

The "Link Account" error alert indicates that you have another bank account available to be linked to your loan as the new payment source on Happy Mango.  To do so, you can click "Link Account" on this page: https://user.happymangocredit.com/#payments. You will be prompted to select one of your existing payment accounts on Happy Mango as future funding source for the loan.

How to fix the "Add Account" error

If there is no other bank account that has been added or verified as a payment source, you will need to add a new account on your Happy Mango account.  To do so, you can click "Add Account", which leads you to the Add Account page on Happy Mango.  Make sure to link that payment source to your loan after you have successfully added it. 

Click here for an article on adding a payment source on Happy Mango. 

ACH payments function for your loan will resume as soon as a new payment source has been linked to your outstanding loan and the error alert has disappeared.