# What happens after I check my rate?

**Choose your offer**  
If your loan request is approved, confirm the loan amount, interest rate, APR, monthly payment, and loan term if you want to move forward.

**Accept your loan terms**  
You'll get a Truth in Lending Disclosure that outlines the total amount you're borrowing, your finance charges, and the origination fee. If we need any other documents or information, we'll let you know in your To-Do List.

**Get funded**  
Once approved, we’ll refinance your existing loan and send the extra cash straight to your bank account. Your previous loan will be paid off, and your credit bureau record will show it as successfully paid and closed in about 30 days.

**Maintain your credit**  
A TopUp loan could positively impact your credit down the road if you can show a history of on-time payments and a reduction in overall debt.

**These other situations may apply based on individual circumstances:**  
- If you have a current payment due, you should continue to make payments on your existing loan until your new TopUp loan is issued.
- If you’ve made any loan payments since accepting your offer, we’ll refund those payments.
- If you owe any late fees or outstanding payments on your previous loan, we’ll subtract that amount from your TopUp cash to cover the difference.

We’ll refund the payment back to you using the payment method for your existing personal loan. For example, if you’ve been paying by electronic withdrawals from your bank account, Happen Bank will then electronically deposit any refunds owed to you.

### Additional Before You Apply FAQ

- [Will checking my rate affect my credit score?](https://www.happen.com/help/topup-faq/will-checking-my-rate-affect-my-credit-score-topup)
- [What is a TopUp loan?](https://www.happen.com/help/topup-faq/what-is-a-topup-loan)
- [What could affect the final amount of cash funds I receive?](https://www.happen.com/help/topup-faq/what-could-affect-final-amount-cash-funds-received)
- [How can I use my TopUp loan?](https://www.happen.com/help/topup-faq/how-can-i-use-my-topup-loan)
- [Are there any fees?](https://www.happen.com/help/topup-faq/are-there-any-fees-with-topup)
- [Am I required to take out extra cash?](https://www.happen.com/help/topup-faq/am-i-required-to-take-out-extra-cash)
- [How much can I borrow?](https://www.happen.com/help/topup-faq/how-much-can-i-borrow-with-topup)
- [How quickly can I get my TopUp loan?](https://www.happen.com/help/topup-faq/how-quickly-can-i-get-my-topup-loan)

Checking your rate won’t impact your credit score.  
Personal loans up to $75,000

What's the money for?  
Credit card refinancing  
Debt consolidation  
Home improvement  
Major purchase  
Home buying  
Car financing  
Green loan  
Business  
Vacation  
Moving and relocation  
Medical expenses  
Other