Apply for a Personal Loan up to $75,000 | Get Funded Fast
Personal Loans
Get a personal loan with a competitive, fixed rate
Once approved for funding, we’ll send your money in as little as 24 hours.1
What's the money for?
- Credit card refinancing
- Debt consolidation
- Home improvement
- Major purchase
- Car financing
- Green loan
- Business
- Vacation
- Moving and relocation
- Other
Here's how it happens
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1. Apply online in minutes
Get customized loan options based on what you tell us.
2. Review your options in seconds
Select the rate, term, and payment options you like best.4
3. Get funded in as little as 24 hours¹
Once your loan is approved for funding, we’ll pay your creditors directly or send the money in as little as 24 hours.
Why choose a personal loan?
A personal loan lets you borrow what you need, for almost any purpose — with a fixed rate, fixed term, and a predictable monthly payment that fits your budget. No collateral required, and rates are typically lower than most credit cards.⁵
Because your rate and term are fixed from day one, you'll know your exact payment, and the exact date you'll be done. No surprises. Just a clear path forward.
Consolidating high-interest credit card debt? A personal loan can help you get there faster and may even improve your credit score by diversifying your credit mix, building an on-time payment history, and reducing your total debt load.⁶
Join over 5 million members making it happen
Consolidate credit cards
Refinance your credit cards with a personal loan—and know the exact date your loan will be paid off.
Balance transfer
Lock in a lower APR and save time by paying creditors directly through Happen Bank—just tell us who to pay and how much.
Debt consolidation
Simplify your debt—and your life—with a single monthly payment on an affordable, fixed-rate loan.
Home improvement
Start your home improvement project now, without waiting for a home equity loan or line of credit.
What our members are saying
“I shopped around for a debt consolidation loan and this was by far the easiest application process, disbursement of funds and best interest rate. Now, I’ll be debt free in just three years, saving thousands!” 7
—Kyle, a member from Georgia
Frequently asked questions
What is a personal loan?
A personal loan allows you to borrow money from a lender for almost any purpose, typically with a fixed term, a fixed interest rate, and a regular monthly payment schedule. Collateral usually is not required.
How can I use a personal loan?
A personal loan lets you borrow what you need for almost any purpose, with a few exceptions. Happen Bank members often use personal loans to pay off credit cards at a lower rate, consolidate debt, or take care of unexpected costs.
A few ways a personal loan from Happen Bank cannot be used include anything related to education after high school, making investments (such as securities or cryptocurrency), or funding any illegal activity.
Will I qualify for a personal loan?
To qualify for a personal loan from Happen Bank, you must be a U.S. citizen or resident and at least 18 years of age with a verifiable bank account. Your loan application will be evaluated based on several factors, including the information provided by you and the credit bureaus, your credit score, and your ability to repay.
How quickly can I get a personal loan?
You can apply and complete the entire process online in minutes from the comfort of your home using your phone, laptop, or tablet. Loan approval, and the time it takes to issue a credit decision, are not guaranteed and individual results vary based on creditworthiness and other factors.
Will checking my rate affect my credit score?
Checking your rate from Happen Bank has no impact to your credit score because a soft credit pull is used. A hard credit inquiry, which may affect that person’s credit score, only appears on the person’s credit report if and when a loan is issued.
What happens after I check my rate?
Choose your offer
You’ll be able to select the loan amount, interest rate, APR, monthly payment, and loan term.
Confirm your information
We ask for your Social Security number and details on your income and employment. If we need any other documents or information, we'll let you know in your to-do list.
Get funded
Once your loan is approved, we’ll send the money straight to your bank account, and/or pay your creditors directly if you choose this option.