Personal Loans FAQ
Personal Loans FAQ
July $250 Account Credit Promotion
- How does the $250 Account Credit Promotion work?
- When does the $250 Account Credit promotion start and end?
- Who is eligible for this promotion?
- How do I qualify for the promotion?
- Can I use the $250 credit for a payment?
- Will I receive $250 in my bank account?
- What if I submit more than one application?
Before You Apply
- How long does it take to get approved for a loan?
- Should I get a Direct Pay loan?
- What SCRA and MLA benefits are available for servicemembers?
- How much can I borrow?
- How do I qualify for a personal loan?
- How can I use my loan?
- What are the rates, fees and interest for personal loans?
Application Process
- How do I apply for a joint loan?
- How do I get a loan?
- Can I cancel my loan application?
- Can I apply for additional loans?
- What should I do if I'm declined?
About Your Offer
To-Do List
- What documents may I be asked to submit?
- How do I confirm my income?
- How do I confirm my email address?
- How do I upload documents?
- How do I link my bank account?
- How do I add creditors to my Direct Pay loan?
- How do I complete the 4506-T form?
- How do I confirm my employment?
Payments
- Should I work with debt settlement companies?
- How can I get natural disaster support?
- How do I change my due date?
- How do I make loan payments?
- How do I make early or extra payments?
- How do I pay off my loan?
Account Management
For Personal Loans, APR ranges from 5.96% APR to 35.96% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of July 06, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $15,262 for a term of 36 months, with an interest rate of 13.99% and a 6% origination fee of $916, for an APR of 18.40%. In this example, the borrower will receive $14,346 and will make 36 monthly payments of $522. Loan amounts range from $1,000 to $75,000 and loan term lengths range from 24 months to 84 months. Some amounts, rates, and term lengths may be unavailable in certain states, and may not be available for all Personal Loan products and/or through all application channels or platforms.
Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history.
Unless otherwise specified, all credit and deposit products are provided by Happen Bank, N.A., Member FDIC, Equal Housing Lender (“Happen Bank”), a wholly-owned subsidiary of Happen, Inc., NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit products are subject to approval, which may include credit approval.
Our mailing address is: Happen Bank, N.A., 88 Kearny Street, Suite 600, San Francisco, CA 94108.
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