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Frequently Asked Questions
How do I manage my loan account?
You can view and change most of your account information right from your Member Center, including your password, phone number, physical address, and email address ...
How do I make early or extra payments?
You can make a one-time payment from your Member Center, by check, or over the phone ...
How do I change my due date?
You have options if you need to change your due date. As long as your account is current, you can make a one-time change to your next payment date...
How do I get started with Online Banking?
With Online Banking, you can get 24/7 access to your account. To enroll, click here. ...
How do I link an external account?
Depending on the linking option you have selected, it may be necessary for two (2) micro deposits to be made into the external account...
How can I set up a direct deposit?
Set up a direct deposit into your account, and you could be eligible to receive your money up to 2 days earlier.
What is auto refinance?
Looking for a lower monthly car loan payment? Refinancing your car loan with Happen Bank could lower your monthly car payments...
What are the rates and fees for auto refinance loans?
Rates and fees for your auto refinance loan depend on several factors, like your credit history and income. ...
How do I refinance my car loan?
It’s fast and simple to refinance your car loan with LendingClub Bank. If your car loan’s remaining balance is between $5,000 and $55,000 ...
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 substantial1. 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 days1 – 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.
Glossary
Revolving Credit
{noun} 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
{noun} 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)
{noun} 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
{noun} An interest rate that remains the same for a set time, usually for the life of the loan.