Who can apply?

Last Updated March 11, 2026 less than a minute read

Any US citizen or resident over 18 years old can apply. You must have a Social Security number, a U.S. address (including APO/FPO addresses), and a valid government-issued photo ID.

Additional Before You Apply FAQ

Happen Bank Resources

Best personal loan rates in 2026: How to compare lenders accurately

The best personal loan rate in 2026 isn't the one with the lowest advertised interest rate: it's the one with the lowest APR, which includes additional finance charges. APR (Annual Percentage Rate) is the only apples-to-apples comparison figure because it includes both the interest rate and any origination fee.

Credit card consolidation loans: How to pay off multiple cards with one fixed rate

A credit card consolidation loan replaces multiple high-interest card balances with a single fixed-rate personal loan – one monthly payment, one interest rate, and a defined payoff date. For borrowers carrying balances at 21.39% APR or higher, the interest savings are often substantial. The math works for the same term when your consolidation loan APR is lower than your current weighted average card APR and the fixed monthly payment fits your budget.

Home improvement loans: How to finance your next project

The best home improvement loan depends on two things: how much equity you have and how quickly you need the funds. Homeowners with significant equity can access lower starting rates through a Home Equity Line of Credit (HELOC) or home equity loan, but closing costs and appraisal fees may narrow that advantage on mid-size projects. An unsecured personal loan requires no equity, no appraisal, and can be funded in days – at a fixed rate that won't move over the life of the project. Happen Bank offers eligible applicants a 1% interest rate discount on personal loans used for home improvement.

HYSA vs CD: Which is right for your savings?

Both a high-yield savings account (HYSA) and a certificate of deposit (CD) outperform a traditional savings account.

What investors need to know about the personal loan market

The unsecured personal loan market continues to hit record highs, and despite challenging macroeconomic conditions, shows few signs of slowing down.

Can I cancel my loan application?

If you want to cancel your application, please call us immediately. Once a loan is funded, you have a limited time frame to cancel your application, depending on your loan type.

How do I add the new website address to my bookmarks?

If you’re using Google Chrome: Please visit Google Chrome’s support center for more information on editing or creating bookmarks.

Glossary

Revolving Credit - A type of credit that allows the borrower to make charges and payments against a set borrowing limit, paying interest only on outstanding balances.

Accrued Interest - The amount of unpaid interest that has accumulated as of a specific date, either on a loan or an interest-bearing account or investment.

Annual Percentage Rate (APR) - The total annual cost to borrow money, including fees, expressed as a percentage.

Charge-Off - A debt that is written off as a loss because the financial institution or creditor believes it is no longer collectible due to a substantial period of nonpayment.

Fixed Interest Rate - An interest rate that remains the same for a set time, usually for the life of the loan.