How do I use DebtIQ?

How do I use DebtIQ?

When you log in to your account online or in the app, navigate to the DebtIQ screen to enroll. Once you activate DebtIQ and agree to the Terms of Use, Credit Authorization, and Privacy Policy, we'll automatically identify the credit cards to add to your personalized dashboard. Select the plus sign next to a credit card account to link it.

Once enrolled, explore your dashboard, transactions, payment strategies, your overall credit profile, the credit score simulator, and alerts that notify you of changes to your credit profile.

Additional Before You Enroll 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.

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