# lendingclub.com > AI-optimized mirror of lendingclub.com containing 749 pages totalling 817,507 words of clean markdown content, structured data, and semantic HTML. Original source: https://lendingclub.com. Last updated: 2026-07-25T05:19:33.750Z. Each page is available as HTML (with JSON-LD structured data) and Markdown (text-only, ideal for LLMs and RAG). ## Homepage - [blog-happen-com/index.html](/content/blog-happen-com/index.html) (1,324 words) - [Investor Relations | Happen, Inc.](/content/ir-happen-com/index.html): Happen, Inc. Investor relations (IR) website contains information about our business for stockholders, potential investors, and financial analysts. (226 words) - [Happen Bank, formerly LendingClub | Personal Loans & Banking](/content/site-root.html): Banking that clears the way. Personal loans, debt consolidation, home improvement loans, high-yield savings & CDs. Happen Bank, formerly LendingClub. (383 words) ## Articles & Blog Posts - [Where can investors see ongoing collection activities on late Notes?](/content/happen-com/help/investing-faq/where-can-investors-see-ongoing-collection-activities-on-late-notes.html): Happen Bank makes every effort to bring late Notes back to "current" status. We'll update you with any collection activity related to your Notes through the Loan Performance page in your Member Center. (777 words) - [What affects my Notes portfolio performance?](/content/happen-com/help/investing-faq/what-affects-my-notes-portfolio-performance/index.html): While several factors, including early loan payoff, can affect returns on your Notes, the biggest impact comes when members miss loan payments or stop making payments entirely. (647 words) - [Does Happen Bank still issue new Notes?](/content/happen-com/help/investing-faq/does-lendingclub-still-issue-new-notes/index.html): Happen Bank ended the purchase of new Notes on December 27, 2020, and retired the Notes platform on December 31, 2020. (350 words) - [How do I move Notes from one portfolio in my account to another?](/content/happen-com/help/investing-faq/how-do-i-move-notes-from-one-portfolio-in-my-account-to-another.html): You can assign or reassign your Notes to different portfolios in your account from the My Notes page in your Member Center. (163 words) - [How do I track my overall rate of return?](/content/happen-com/help/investing-faq/how-do-i-track-my-overall-rate-of-return/index.html): A rate of return is a net gain or loss on an investment over a specific time period. It’s expressed as a percentage of the initial cost of the investment. (1,428 words) - [What steps should I take if I have an IRA account?](/content/happen-com/help/investing-faq/what-steps-should-i-take-if-i-have-an-ira-account/index.html): IRA funds must be transferred to your IRA custodian. (388 words) - [How do I add money to or withdraw money from my IRA?](/content/happen-com/help/investing-faq/how-do-i-add-money-to-or-withdraw-money-from-my-ira.html): A focus on how to add and withdraw your money from your IRA. (169 words) - [Where do I find my investor account number?](/content/happen-com/help/investing-faq/where-do-i-find-my-investor-account-number/index.html): Find your account number in seconds simply by (92 words) - [Why is there a pending withdrawal in my account?](/content/happen-com/help/investing-faq/why-is-there-a-pending-withdrawal-in-my-account/index.html): You’re due a cash payment to your account, but the service fee is still processing. (160 words) - [Who is servicing the loans? | Happen Bank](/content/happen-com/help/investing-faq/who-is-servicing-the-loans/index.html): Happen Bank services all personal and small business loans. As we receive payments from borrowers we securely transfer the funds received to pay investors in the corresponding Notes. (740 words) - [What do the different Note statuses mean?](/content/happen-com/help/investing-faq/what-do-the-different-note-statuses-mean/index.html): Each Note in your account lists a status corresponding to the loan associated with the Note. (614 words) - [404 Not Found](/content/ir-happen-com/news/news-details/2024/nearly-50-of-americans-unaware-federal-interest-rate-hikes-raised-their-credit-card-apr-by-over-5-percentage-points/default-aspx.html) (12 words) - [What is the annual fee for my IRA?](/content/happen-com/help/investing-faq/what-is-the-annual-fee-for-my-ira/index.html): Happen Bank offers IRAs by partnering with custodians. As of January 11, 2018, Happen Bank's preferred IRA custodian is IRA Services Trust Company (ISTC). (232 words) - [How do I transfer money from my account?](/content/happen-com/help/investing-faq/how-do-i-transfer-money-from-my-account/index.html): You can withdraw available cash from taxable investment accounts at any time. (92 words) - [Page Does Not Exist | LendingClub](/content/happen-com/company/contact/institutional-banking/index.html): Page Does Not Exist | LendingClub (377 words) - [Your essential financial planning checklist](/content/happen-com/resource-center/personal-finance/financial-health-tips/index.html): We’ve rounded up some of the most essential personal finance to-do’s.   (1,239 words) - [Page Does Not Exist | LendingClub](/content/happen-com/resource-center/personal-finance/best-creative-ways-to-pay-off-de/index.html): Page Does Not Exist | LendingClub (280 words) - [PowerPoint Presentation](/content/ir-happen-com/static-files/066b4dad-5b9b-4eab-8f93-2aa35669c9c0/index.html) (3,119 words) - [PowerPoint Presentation](/content/ir-happen-com/static-files/2d2d2b85-e305-4646-b84a-c334fdbba0d9/index.html) (3,348 words) - [PowerPoint Presentation](/content/ir-happen-com/static-files/a53b1ca6-c522-4c0f-8c01-bab3064ce4cd/index.html) (3,283 words) - [LendingClub 2Q24 Earnings Presentation](/content/ir-happen-com/static-files/38415fe1-8b64-44ce-81fe-e84c4d5452f2/index.html) (2,751 words) - [What is a Money Date?](/content/happen-com/resource-center/personal-finance/what-is-a-money-date/index.html): Talking about money with your partner can be difficult. While you might be a saver, your signifiant other might be a spender. When planning for the future, you may be looking at what your financial needs will be in 10-15 years, while they may be thinking about next month. (1,609 words) - [Should you use a personal loan to pay off credit card debt? ](/content/happen-com/resource-center/personal-finance/benefits-of-paying-off-your-credit-card-debt-with-a-personal-loan.html): A personal loan can be a smart financial move to pay off credit card debt, but it’s important to weigh out the pros and cons before you apply. (1,285 words) - [What is a payment plan and how do I track it?](/content/happen-com/help/investing-faq/what-is-a-payment-plan-and-how-do-i-track-it/index.html): In some cases, we arrange payment plans with members to gradually bring their loans back to "current" status. (738 words) - [What should an investor expect when a loan payment is late?](/content/happen-com/help/investing-faq/what-should-an-investor-expect-when-a-loan-payment-is-late.html): Delinquencies are a natural component of investing in Notes. When members fall behind on their payments, Happen Bank makes significant efforts to contact them, collect outstanding payments, and bring the loans back to "current" status. (500 words) - [How is the service fee collected?](/content/happen-com/help/investing-faq/how-is-the-service-fee-collected/index.html): Happen Bank charges an investor service fee of 1% of the number of borrower payments received by the payment due date or during applicable grace periods. (852 words) - [What investor payments and fees are required?](/content/happen-com/help/investing-faq/what-investor-payments-and-fees-are-required/index.html): Happen Bank pays Notes investors principal and interest equal to their pro rata share of loan payments tied to a Note, less any fees associated with the receipt of payments. (804 words) - [The pros and cons of credit cards](/content/happen-com/resource-center/personal-finance/pros-and-cons-of-credit-cards/index.html): Credit cards are a widely accepted, convenient form of payment, but they come with potential drawbacks like high interest rates and fees when not used responsibly.  (1,661 words) - [6 steps to paying bills on time](/content/happen-com/resource-center/personal-finance/steps-to-paying-bills-on-time/index.html): Understanding how to pay your bills on time is an important part of effective money management. Not only does timely bill payment impact your credit score, late and missed payments could cause penalty interest rate increases, late fees, or your account to be sent to collections. Having a pattern of not paying bills on time could also result in credit denials, or higher interest rates when applying for loans or credit cards. (1,303 words) - [How does Happen Bank take loan payments?](/content/happen-com/help/investing-faq/how-does-lendingclub-bank-take-loan-payments/index.html): Happen Bank issues and services loans and collects principal and interest payments from members. (498 words) - [ir-happen-com/static-files/d8244304-0ccf-4ad0-9213-735239ca7ba0/index.html](/content/ir-happen-com/static-files/d8244304-0ccf-4ad0-9213-735239ca7ba0/index.html) (946 words) - [Save or pay off debt: Which should you do first?](/content/happen-com/resource-center/personal-finance/save-or-pay-off-debt-which-should-you-do-first/index.html): Expenses and planning for the future is essential to your financial resilience and peace of mind. Yet, paying down debt can often feel like it should be your highest priority. Which should you do first? It depends. Generally, it’s best to find a balance and do both at the same time if you can. Here are some ways to help you think about how to approach saving or paying off debt first. (1,580 words) - [8 different types of loans you should know about](/content/happen-com/resource-center/personal-loan/common-types-of-loans-and-benefits-of-each/index.html): Different types of loans include personal loans, mortgages, auto loans, student loans, and business loans. Each serves specific needs, with varying terms, interest rates, and eligibility requirements. (1,588 words) - [Best money questions to ask your partner before marriage](/content/happen-com/resource-center/personal-finance/best-money-questions-to-ask-your-partner-before-marriage.html): Having honest conversations about money before you tie the knot can minimize financial disagreements and put you on track to reach #couplegoals. (1,974 words) - [What a Personal Loan Is, How They Work & How to Apply in 3 Steps](/content/happen-com/resource-center/personal-loan/what-is-a-personal-loan-how-to-apply-in-3-simple-steps.html): A personal loan is an unsecured loan given by banks or lenders, repaid in fixed monthly installments. It can be used for various purposes like debt consolidation, home improvements, medical expenses, or vacations. (1,414 words) - [PowerPoint Presentation](/content/ir-happen-com/static-files/4181335a-f001-4042-b6ed-a19b4cb3cadf/index.html) (1,171 words) - [The 5 C's of Credit: What They Are & How to Build Them | Lending Club](/content/happen-com/resource-center/personal-loan/understanding-the-5-cs-of-credit/index.html): The 5 C's of credit are Character (trustworthiness), Capacity (ability to repay), Capital (assets), Collateral (security for the loan), and Conditions (loan terms and economic factors). (1,439 words) - [APR vs Interest Rate: A Comprehensive Comparison | Happen Bank ](/content/happen-com/resource-center/personal-loan/apr-vs-interest-rate-whats-the-difference/index.html): Interest rate is the cost of borrowing expressed as a percentage per year, while APR (Annual Percentage Rate) is the interest rate plus fees and other costs, giving a fuller picture of borrowing costs. (1,194 words) - [PowerPoint Presentation](/content/ir-happen-com/static-files/689cc0a5-0ec5-4c48-b5fb-246ce6c579f2/index.html) (1,034 words) - [4 Good Reasons to Get a Personal Loan | What Can Personal Loans Be Used For?](/content/happen-com/resource-center/personal-loan/top-reasons-to-get-a-personal-loan/index.html): A personal loan can help consolidate high-interest debt, cover emergency expenses, finance home improvements, pay for medical bills, or fund large purchases. It's a flexible option with fixed payments, making budgeting easier. (1,531 words) - [Sticking to Your Budget: 5 Ways to Help Make Sure You Stick With It ](/content/happen-com/resource-center/personal-finance/sticking-to-a-budget-common-problems-and-solutions/index.html): Sticking to a budget can be challenging. But having a clear goal can help you stay on track. Learn more tips to stay motivated. (844 words) - [How many times can you consolidate debt?](/content/happen-com/resource-center/personal-loan/how-many-times-can-you-consolidate-debt/index.html): Using fixed, low-interest credit to refinance variable, high-interest credit card balances can be a smart financial move. This practice, known as debt consolidation, can simplify your monthly finances, make your payments more predictable, and save you money on the cost of borrowing. (1,152 words) - [LendingClub to Transfer Listing to Nasdaq; New Ticker Symbol "HAPN" to Reflect the Launch of Happen Bank](/content/ir-happen-com/node/141561/pdf/index.html) (692 words) - [Happen, Inc. Schedules Second Quarter 2026 Earnings Release and Conference Call](/content/ir-happen-com/node/142086/pdf/index.html) (427 words) - [First Quarter 2025 Earnings Conference Call | Happen, Inc.](/content/ir-happen-com/events/event-details/first-quarter-2025-earnings-conference-call/index.html): First Quarter 2025 Earnings Conference Call on Tue, 04/29/2025 - 17:00 (16 words) - [LendingClub 2025 Investor Day | Happen, Inc.](/content/ir-happen-com/events/event-details/lendingclub-2025-investor-day/index.html): LendingClub 2025 Investor Day on Wed, 11/05/2025 - 09:00 (27 words) - [Fourth Quarter 2024 Earnings Conference Call | Happen, Inc.](/content/ir-happen-com/events/event-details/fourth-quarter-2024-earnings-conference-call/index.html): Fourth Quarter 2024 Earnings Conference Call on Tue, 01/28/2025 - 17:00 (16 words) - [The 2025 Annual Meeting of Stockholders of LendingClub Corporation | Happen, Inc.](/content/ir-happen-com/events/event-details/2025-annual-meeting-stockholders-lendingclub-corporation.html): The 2025 Annual Meeting of Stockholders of LendingClub Corporation on Tue, 06/03/2025 - 10:00 (19 words) - [Second Quarter 2025 Earnings Conference Call | Happen, Inc.](/content/ir-happen-com/events/event-details/second-quarter-2025-earnings-conference-call/index.html): Second Quarter 2025 Earnings Conference Call on Tue, 07/29/2025 - 17:00 (16 words) - [Third Quarter 2025 Earnings Conference Call | Happen, Inc.](/content/ir-happen-com/events/event-details/third-quarter-2025-earnings-conference-call/index.html): Third Quarter 2025 Earnings Conference Call on Wed, 10/22/2025 - 17:00 (16 words) - [What is a Debt Management Plan? Everything You Need to Know](/content/happen-com/resource-center/personal-loan/what-is-a-debt-management-plan/index.html): Understanding debt management plans: Explore the benefits and drawbacks of debt management plans to make an informed decision. (1,802 words) - [How to Check Your Credit Score: A Complete Guide](/content/happen-com/resource-center/personal-finance/how-to-check-your-credit-score/index.html): Your credit score is an important indicator of your financial health. Discover what your score means and how it predicts your credit behavior. (1,349 words) - [How does early Direct Deposit work?](/content/happen-com/help/checking-accounts-faq/how-does-early-direct-deposit-work-3/index.html): When you set up Direct Deposit to your Happen Bank account, we make your funds available as soon as the depositor notifies us that the funds are scheduled for deposit. (483 words) - [Connect to Intuit | Treasury Management](/content/happen-com/faq/business-deposits/how-to-connect-to-intuit/index.html): Connect to Intuit | Treasury Management (380 words) - [Quicken Reconnecting](/content/happen-com/faq/business-deposits/connect-to-intuit/quicken/index.html): Quicken Reconnecting (789 words) - [What is an unsecured personal loan?](/content/happen-com/resource-center/personal-loan/what-is-an-unsecured-personal-loan/index.html): An unsecured personal loan is a loan that doesn't require you to put up any form of collateral—like a car, personal savings, or house. Unsecured loans often provide quicker access to cash than secured loans. However, unsecured loans are considered greater risk by lenders, and may have higher interest rates or lower borrowing limits. (1,868 words) - [What is Direct Deposit? - Checking Accounts FAQ | Happen Bank](/content/happen-com/help/checking-accounts-faq/when-will-i-see-my-debit-card-cash-back-rewards/index.html): Any rewards you earn for your account will be posted the following month and will appear in the “Rewards” section on your account Dashboard online or in the app. (410 words) - [Do I give Happen Bank 100% of my paycheck?](/content/happen-com/help/checking-accounts-faq/do-i-give-happen-bank-100-of-my-paycheck-3/index.html): You can allocate a specific percentage or dollar amount to be directly deposited into your account, anywhere from 1-100% of your paycheck. (308 words) - [What is Direct Deposit? - Checking Accounts FAQ | Happen Bank](/content/happen-com/help/checking-accounts-faq/do-i-earn-more-cash-back-if-i-pay-more-than-the-amount-due.html): No. If your monthly payment amount is $300 but you pay $400, you will still receive $6.00 (2% x $300) in cash back. (371 words) - [What is Direct Deposit? - Checking Accounts FAQ | Happen Bank](/content/happen-com/help/checking-accounts-faq/do-i-earn-any-cash-back-if-i-pay-part-of-my-monthly-payment-amount.html): No. The full monthly payment amount must be paid prior to the due date in order to earn Loan Payment Cash Back. (416 words) - [Is there a minimum balance to open or keep my LevelUp Checking account?](/content/happen-com/help/checking-accounts-faq/is-there-a-minimum-balance-to-open-or-keep-my-levelup-checking-account.html): There are no minimum balances required to open or keep a LevelUp Checking account. (532 words) - [APR vs. APY: What’s the Difference?](/content/happen-com/resource-center/personal-loan/apr-vs-apy-whats-the-difference/index.html): APR (Annual Percentage Rate) shows the yearly cost of a loan. APY (Annual Percentage Yield) shows how much you earn on savings in a year, including compound interest. APR is for loans; APY is for savings. (1,052 words) - [When is a good time to buy a car?](/content/happen-com/resource-center/auto-refinance/when-is-a-good-time-to-buy-a-car/index.html): Is now a good time to buy a car? At the time of this writing, inventory shortages, rising interest rates, a lack of dealer incentives, and a stressful shopping experience are still making the car-buying process unusually difficult for buyers of both new and used cars. (2,029 words) - [What is Direct Deposit? - Checking Accounts FAQ | Happen Bank](/content/happen-com/help/checking-accounts-faq/how-do-loan-payment-cash-back-rewards-work/index.html): This provides an example of how Loan Payment Rewards work. (509 words) - [What is Direct Deposit? - Checking Accounts FAQ | Happen Bank](/content/happen-com/help/checking-accounts-faq/which-loans-are-considered-personal-loans-for-loan-payment-cash-back.html): Currently, Happen Bank Personal Loans and Purchase Finance loans qualify for cash back. Happen Bank Auto Loans, Home Improvement Loans, revolving purchase finance loans and CleanSweep don’t qualify. (402 words) - [11-Month CD - Earn 4.20% APY | Happen Bank](/content/happen-com/personal-savings/cd/index.html): Lock in a competitive, fixed rate, sit back and relax, and watch your money grow. Easy to manage in our app with flexible interest payouts. Open a CD today! (598 words) - [How do I withdraw from my account?](/content/happen-com/help/checking-accounts-faq/how-do-i-withdraw-from-my-account-2/index.html): You can withdraw funds from the account in three ways. (324 words) - [What is Direct Deposit? - Checking Accounts FAQ | Happen Bank](/content/happen-com/help/checking-accounts-faq/do-levelup-checking-rewards-get-deposited-directly-into-my-levelup-checking.html): Yes, any amounts earned from Debit Card Cash Back and/or Loan Payment Cash Back will be posted directly to your LevelUp Checking account in the following month. (408 words) - [Are there any fees for my LevelUp checking account?](/content/happen-com/help/checking-accounts-faq/are-there-any-fees-for-my-levelup-checking-account/index.html): There are no fees for your account. (282 words) - [What is Direct Deposit? - Checking Accounts FAQ | Happen Bank](/content/happen-com/help/checking-accounts-faq/im-not-a-lendingclub-member-how-can-i-open-an-account.html): LevelUp Checking is available to members only. To become a member, simply open a LevelUp Savings account, Happen Bank CD or a Happen Bank loan. (405 words) - [What is Direct Deposit? - Checking Accounts FAQ | Happen Bank](/content/happen-com/help/checking-accounts-faq/whats-an-mcc/index.html): An MCC, or Merchant Category Code, is a four-digit number assigned by payment processors like MasterCard and Visa to classify a business based on the type of goods or services it provides. (368 words) - [Where can I access my statements and 1099 form?](/content/happen-com/help/checking-accounts-faq/where-can-i-access-my-statements-and-1099-form-2/index.html): How to access your statements and 1099 forms. (380 words) - [How do I activate a new ATM or debit card?](/content/happen-com/help/checking-accounts-faq/how-do-i-activate-a-new-atm-or-debit-card/index.html): To activate your debit or ATM card, please call 800-418-3964 and follow the message prompts. (283 words) - [FAQ | Business Banking | QuickBooks](/content/happen-com/faq/business-deposits/connect-to-intuit/quickbooks/index.html): FAQ | Business Banking | QuickBooks (428 words) - [How do Debit Card Cash Back rewards work?](/content/happen-com/help/checking-accounts-faq/how-does-debit-card-cash-back-rewards-work/index.html): You have a LevelUp Checking account. In January, you received a Direct Deposit into your LevelUp Checking account and you spent $200 at gas stations, $560 at grocery stores and $40 at pharmacy for a total of $800 for the month. (434 words) - [What is Direct Deposit? - Checking Accounts FAQ | Happen Bank](/content/happen-com/help/checking-accounts-faq/what-mcc-codes-are-eligible-for-cash-back-rewards/index.html): Please note that merchants are assigned MCC codes based on what they primarily sell. (308 words) - [How do I earn interest on my personal checking account?](/content/happen-com/help/checking-accounts-faq/how-do-i-earn-interest-on-my-personal-checking-account.html): To earn interest on your  checking account, you must maintain an average daily balance of $2,500 or more within the account. (297 words) - [How do I earn 1% Debit Card Cash Back with a LevelUp Checking account?](/content/happen-com/help/checking-accounts-faq/how-do-i-earn-1-debit-card-cash-back-with-a-levelup-checking-account.html): To get 1% cash back on qualified purchases, follow these requirements (324 words) - [LendingClub Reports Third Quarter 2023 Results](/content/ir-happen-com/node/46236/pdf/index.html) (3,832 words) - [How do I earn 2% Loan Payment Cash Back with a LevelUp Checking account?](/content/happen-com/help/checking-accounts-faq/how-do-i-earn-2-loan-payment-cash-back-with-a-levelup-checking-account.html): Qualifying Direct Deposits are defined as Recurring Automated Clearing House (ACH) credits, including payroll, pension, or government payments (such as Social Security) made by your employer or an outside agency. (430 words) - [Autobooks | Digital Invoicing](/content/happen-com/business-deposits/autobooks/index.html): Autobooks | Digital Invoicing (202 words) - [Personal Savings Accounts | Happen Bank](/content/happen-com/personal-savings/index.html): Boost your savings with an FDIC-insured account from Happen Bank. (213 words) - [LendingClub Reports First Quarter 2024 Results](/content/ir-happen-com/node/46196/pdf/index.html) (2,453 words) - [LendingClub Reports Third Quarter 2021 Results](/content/ir-happen-com/node/46656/pdf/index.html) (1,630 words) - [LendingClub Reports Second Quarter 2021 Results](/content/ir-happen-com/node/46691/pdf/index.html) (497 words) - [LendingClub Reports First Quarter 2022 Results](/content/ir-happen-com/node/46556/pdf/index.html) (1,235 words) - [LendingClub Reports Fourth Quarter and Full Year 2021 Results](/content/ir-happen-com/node/46611/pdf/index.html) (1,268 words) - [LendingClub Reports First Quarter 2026 Results](/content/ir-happen-com/node/47316/pdf/index.html) (2,081 words) - [help-happen-com/hc/en-us/index.html](/content/help-happen-com/hc/en-us/index.html) (774 words) - [LendingClub Reports Second Quarter 2024 Results](/content/ir-happen-com/node/46176/pdf/index.html) (1,395 words) - [What is the Debt Snowball Method & How Does it Work? | Lending Club](/content/happen-com/resource-center/personal-finance/steps-to-decimate-debt-the-debt-snowball-method/index.html): The debt snowball method helps you pay down debt by paying off the smallest debt first, then using that payment amount to pay the next smallest debt. This gives you quick wins and keeps you motivated. (2,265 words) - [Legal Agreements | LendingClub](/content/happen-com/legal/legal-agreements/index.html): Legal Agreements | LendingClub (361 words) - [LendingClub Reports Third Quarter 2024 Results](/content/ir-happen-com/node/46151/pdf/index.html) (1,202 words) - [404 Not Found](/content/ir-happen-com/docs/index.html) (12 words) - [LendingClub to Become Happen Bank, a Digital Bank for People Going Places | Tue, 04/21/2026 - 09:00](/content/ir-happen-com/news-releases/news-release-details/lendingclub-become-happen-bank-digital-bank-people-going-places.html): Name change planned for summer 2026 SAN FRANCISCO, April 21, 2026   LendingClub Corp. (NYSE: LC) today announced that it is rebranding LendingClub Bank as  Happen Bank, marking a significant milestone in its evolution into a digital bank offering consumers seamless access to award-winning products (797 words) - [LendingClub Reports First Quarter 2023 Results](/content/ir-happen-com/node/46296/pdf/index.html) (957 words) - [404 Not Found](/content/ir-happen-com/govdocs/index.html) (12 words) - [How to negotiate a salary after getting a job offer](/content/happen-com/resource-center/personal-finance/tips-on-how-to-negotiate-a-salary/index.html): Negotiating a salary is often expected after a job offer, and with the right preparation you may be able to meet your career, personal, and financial goals faster. (1,348 words) - [LendingClub to Become Happen Bank, a Digital Bank for People Going Places](/content/ir-happen-com/node/47286/pdf/index.html) (733 words) - [LendingClub Reports Fourth Quarter and Full Year 2024 Results](/content/ir-happen-com/node/46136/pdf/index.html) (990 words) - [How to Get a Small Business Loan in 2024 | Lending Club ](/content/happen-com/resource-center/personal-finance/how-to-stop-living-paycheck-to-paycheck/index.html): To get a small business loan, apply at a bank or online lender. Key requirements include a solid business plan and financial statements. Good credit and collateral may also improve approval chances. (1,311 words) - [LendingClub Reports Second Quarter 2022 Results](/content/ir-happen-com/node/46516/pdf/index.html) (1,285 words) - [How do I manually verify an external account?](/content/happen-com/help/checking-accounts-faq/how-do-i-manually-verify-an-external-account-2/index.html): If you received two micro-deposits, you’ll need to verify them. To verify the micro-deposits, check your external account and note the two deposit amounts (393 words) - [LendingClub Reports Third Quarter 2022 Results](/content/ir-happen-com/node/46396/pdf/index.html) (893 words) - [LendingClub Reports Fourth Quarter and Full Year 2022 Results](/content/ir-happen-com/node/46346/pdf/index.html) (995 words) - [How to get a copy of your credit reports](/content/happen-com/resource-center/personal-finance/getting-a-copy-of-your-credit-report/index.html): You have the right to request a free yearly copy of your credit report from each of the three major credit bureaus, but you may be able to check your reports more frequently online at no cost.  (657 words) - [LendingClub Reports First Quarter 2025 Results](/content/ir-happen-com/node/46116/pdf/index.html) (1,001 words) - [Can members change their due date?](/content/happen-com/help/investing-faq/can-members-change-their-due-date/index.html): A member may change their due date. Loans with Happen Bank have due dates automatically set to the day of the month the loan was issued. (473 words) - [How to close a credit card without hurting your credit score](/content/happen-com/resource-center/personal-finance/how-to-cancel-a-credit-card-without-hurting-your-credit-score.html): Closing your credit card can hurt your credit temporarily, but there are steps you can take to minimize the effect.   (1,719 words) - [7 hacks to help increase your credit score](/content/happen-com/resource-center/personal-finance/credit-score-hacks-to-increase-your-credit-score/index.html): Higher credit scores provide access to lower interest rates and better terms when you apply for credit. However, if your credit score needs work, there may be credit hacks you can take to improve your score. (1,569 words) - [What Is a Truth in Lending Disclosure for Auto Refinance?](/content/happen-com/help/auto-refinance-faq/what-is-a-truth-in-lending-disclosure-for-auto-refinance.html): Before wrapping up your auto refinance loan, you’ll need to review some important documents and sign your Truth in Lending disclosure (TIL). (382 words) - [Who can I contact if I have questions?](/content/happen-com/help/investing-faq/who-can-i-contact-questions/index.html): For questions not addressed above, email investorops@happen.com. (450 words) - [How to Get a Small Business Loan in 2024 | Lending Club ](/content/happen-com/resource-center/personal-loan/diy-home-repairs-you-can-handle-yourself/index.html): To get a small business loan, apply at a bank or online lender. Key requirements include a solid business plan and financial statements. Good credit and collateral may also improve approval chances. (2,066 words) - [Is the investor portal still available?](/content/happen-com/help/investing-faq/investor-portal-still-available/index.html): No. The Happen Bank investor portal was permanently closed in January 2026. (669 words) - [LendingClub Schedules First Quarter 2026 Earnings Release and Conference Call | Tue, 04/07/2026 - 16:05](/content/ir-happen-com/news-releases/news-release-details/lendingclub-schedules-first-quarter-2026-earnings-release-and.html): SAN FRANCISCO, April 7, 2026 /PRNewswire/ -- LendingClub Corporation  (NYSE: LC), which operates America's leading digital marketplace bank, announced that it will report earnings for the first quarter of 2026 after the market closes on Monday, April 27, 2026. (433 words) - [Happen Bank repurchased all Notes in 2024 | Happen Bank](/content/happen-com/help/investing-faq/what-happened-to-my-loans/index.html): All remaining Notes were repurchased in 2024, with investors receiving their final loan payments as part of the repurchase process. (587 words) - [Will I continue to have mobile banking access on my app?](/content/happen-com/help/general-faq/have-mobile-banking-access/index.html): Yes, there is no change to the Happen Bank app resulting from our new website URL. (768 words) - [Are there any tax implications for 2025 and beyond?](/content/happen-com/help/investing-faq/tax-implications-2025-and-beyond/index.html): Please direct any additional tax questions to your financial or tax advisor. (665 words) - [LendingClub Launches Home Improvement Financing; Begins Underwriting and Originating Loans Through Inaugural Partnership with Wisetack | Mon, 04/27/2026 - 16:07](/content/ir-happen-com/news-releases/news-release-details/lendingclub-launches-home-improvement-financing-begins.html): SAN FRANCISCO, April 27, 2026 /PRNewswire/ -- LendingClub Corporation (NYSE: LC) today announced it has started underwriting and originating home improvement loans through its inaugural partnership with Wisetack, a platform embedded with over 40,000 contractors and growing. (929 words) - [I forgot my Happen Bank Password, what should I do?](/content/happen-com/help/general-faq/forgot-happen-bank-password/index.html): If you forgot your Password: Please select “Need Help Logging In” and enter your email. (504 words) - [Does the website address change impact my access to online banking and other online services that I access through the site? ](/content/happen-com/help/general-faq/website-address-change-impact-my-access/index.html): Access to Happen online banking and our other online services will be available through happen.com beginning on June 22, 2026 (516 words) - [LendingClub Schedules Fourth Quarter and Full Year 2025 Earnings Release and Conference Call | Wed, 01/07/2026 - 08:00](/content/ir-happen-com/news-releases/news-release-details/lendingclub-schedules-fourth-quarter-and-full-year-2025-earnings.html): SAN FRANCISCO, Jan. 7, 2026 /PRNewswire/ --  LendingClub Corporation  (NYSE: LC), which operates America's leading digital marketplace bank, announced that it will report earnings for the fourth quarter and full year 2025 after the market closes on Wednesday, Jan. 28, 2026. (431 words) - [Business Loans | SBA | 504 Lending](/content/happen-com/business-loan/sba-loans/504-wholesale-lending/index.html): Business Loans | SBA | 504 Lending (494 words) - [Business Loans | SBA | Business Acquisition Financing](/content/happen-com/business-loan/sba-loans/business-acquisition-financing/index.html): Business Loans | SBA | Business Acquisition Financing (331 words) - [Business Loans | SBA | Franchise Financing](/content/happen-com/business-loan/sba-loans/franchise-finance/index.html): Business Loans | SBA | Franchise Financing (519 words) - [LendingClub Launches Home Improvement Financing; Begins Underwriting and Originating Loans Through Inaugural Partnership with Wisetack](/content/ir-happen-com/node/47321/pdf/index.html) (928 words) - [I use a third-party account aggregation service (like Intuit Mint or Quicken) to view my Happen accounts together with accounts that I have at other financial institutions. Does the Happen Bank website address change impact me? ](/content/happen-com/help/general-faq/use-third-party-account-aggregation-services/index.html): To continue accessing your Happen accounts through a third-party aggregation service or personal financial management tool, you will need to update the URL (167 words) - [Can I still access my tax documents?](/content/happen-com/help/investing-faq/access-tax-documents/index.html): Tax documents (including 1099s) were issued and delivered for all applicable years through 2024 (461 words) - [Is Happen Bank's retail investing program still active?](/content/happen-com/help/investing-faq/retail-investing-program-still-active/index.html): No. Happen Bank’s retail investing program has been fully discontinued. (379 words) - [What should I do to ensure that I’m using the current website address?](/content/happen-com/help/general-faq/ensure-using-current-website/index.html): For quick access, create a bookmark with happen.com on or after June 22, 2026 (157 words) - [Will I receive any additional payments?](/content/happen-com/help/investing-faq/receive-additional-payments/index.html): No. All funds have already been distributed to investors via ACH or check. (124 words) - [LendingClub Schedules First Quarter 2026 Earnings Release and Conference Call](/content/ir-happen-com/node/6581/pdf/index.html) (430 words) - [A Note to Our Investors - Investing FAQ | Happen Bank](/content/happen-com/help/investing-faq/note-to-our-investors/index.html): LendingClub is now Happen Bank. (189 words) - [ir-happen-com/static-files/ee5015e4-79ce-43fc-900b-d726ed58757c/index.html](/content/ir-happen-com/static-files/ee5015e4-79ce-43fc-900b-d726ed58757c/index.html) (421 words) - [LendingClub Schedules Fourth Quarter and Full Year 2025 Earnings Release and Conference Call](/content/ir-happen-com/node/46056/pdf/index.html) (437 words) - [Do I need to take any further action?](/content/happen-com/help/investing-faq/take-further-action/index.html): No further action is required. The program has been fully closed. (122 words) - [LendingClub Officially Becomes Happen Bank, Marking a New Chapter for the Digital-First Bank](/content/ir-happen-com/node/142056/pdf/index.html) (713 words) - [LendingClub Reports Fourth Quarter and Full Year 2025 Results | Wed, 01/28/2026 - 08:00](/content/ir-happen-com/news-releases/news-release-details/lendingclub-reports-fourth-quarter-and-full-year-2025-results.html):  Delivered $41.6 million GAAP Net Income, 11.3% ROE and 11.9% ROTCE in fourth quarter Increased Originations +40%, Revenue +23%, and Diluted EPS +338% in fourth quarter compared to prior year For the full year 2025: Grew Originations +33%, Revenue +27%, and Diluted EPS +158% compared to prior year (5,141 words) - [How to Get a Small Business Loan in 2024 | Lending Club ](/content/happen-com/resource-center/personal-finance/fico-score-update-heres-what-you-need-to-know/index.html): To get a small business loan, apply at a bank or online lender. Key requirements include a solid business plan and financial statements. Good credit and collateral may also improve approval chances. (1,046 words) - [13 Creative Ways to Pay Down Debt Faster](/content/happen-com/resource-center/personal-finance/best-creative-ways-to-pay-off-debt/index.html): Nobody likes holding onto credit card, medical, car loan, or student loan debt so it’s not surprising that we frequently hear from LendingClub members about the many ways they’ve learned how to pay off debt faster. (2,071 words) - [Who can apply for home improvement financing?](/content/happen-com/help/home-improvement-faq/who-can-apply-for-home-improvement-financing/index.html): Any US citizen or permanent resident over 18 years old can apply. You must have a Social Security number, a U.S. address (including APO/FPO addresses), and a valid government-issued photo ID. (714 words) - [The pros and cons of paying off a personal loan early](/content/happen-com/resource-center/personal-loan/the-pros-and-cons-of-paying-off-a-personal-loan-early.html): If you receive a cash windfall, using the money to clear debt ahead of schedule can save on interest. However, if your loan terms include a prepayment penalty or you're in the process of rebuilding your credit history, you may want to think twice. (1,587 words) - [How much credit card debt is too much? ](/content/happen-com/resource-center/personal-loan/signs-you-have-too-much-credit-card-debt/index.html): Too much credit card debt is when monthly payments exceed 30% of your income, leading to financial strain, difficulty covering essential expenses, and increased risk of defaulting. (2,073 words) - [What is a good credit score?](/content/happen-com/resource-center/personal-finance/what-is-a-good-credit-score-and-how-to-boost-yours/index.html): A 700 credit score is generally considered “good” among common scoring systems that range from 300 to 850. (1,400 words) - [How much can I borrow? - Home Improvement FAQ | Happen Bank](/content/happen-com/help/home-improvement-faq/how-much-can-i-borrow-for-home-improvement/index.html): Financing up to $65,000 is available to cover a wide range of products and services. Plan options depend on the business vertical, the type of financing you request, and your individual credit profile. (388 words) - [Page Does Not Exist | LendingClub](/content/happen-com/resource-center/auto-refinance/tips-for-how-to-get-the-best-deal-on-a-new-car/index.html): Page Does Not Exist | LendingClub (377 words) - [What is Direct Deposit? - Checking Accounts FAQ | Happen Bank](/content/happen-com/help/checking-accounts-faq/how-do-i-earn-2-loan-payment-cash-back-with-my-levelup-checking-account.html): If qualification requirements are met, you will earn 2% of the monthly payment amount as cash back in your LevelUp Checking account in the following month. (446 words) - [Debt avalanche budgeting explained](/content/happen-com/resource-center/personal-finance/what-is-the-debt-avalanche-method-and-how-does-it-work.html): If credit card debt is piling up and you're worried about making only minimum payments into the foreseeable future, this accelerated debt paydown method could be your way out. (2,216 words) - [Page Does Not Exist | LendingClub](/content/happen-com/help/checking-accounts-faq/how-do-i-earn-atm-rebates-on-my-checking/index.html): Page Does Not Exist | LendingClub (151 words) - [How to Get a Small Business Loan in 2024 | Lending Club ](/content/happen-com/resource-center/auto-refinance/when-can-i-refinance-my-car-loan/index.html): To get a small business loan, apply at a bank or online lender. Key requirements include a solid business plan and financial statements. Good credit and collateral may also improve approval chances. (1,343 words) - [14 holiday shopping & budgeting tips to save money this year ](/content/happen-com/resource-center/personal-finance/best-ways-to-save-money-this-holiday-season/index.html): If you’re feeling a pinch in your wallet this year you’re not alone. With inflation, supply chain issues, high gas prices, and wage stagnation, many Americans are feeling anxious about their financial well-being heading into the holiday season. (1,251 words) - [How can I see what I qualify for?](/content/happen-com/help/borrower-faq/how-long-does-it-take-to-receive-a-response-to-my-application.html): Most applications receive a decision in seconds but, at a minimum, you’ll hear from us before the end of the next business day. (672 words) - [Where can I see my original agreement after I initiate a balance transfer?](/content/happen-com/help/cleansweep-faq/where-can-i-see-my-original-agreement-after-i-initiate-a-balance-transfer.html): When you initiate a balance transfer, we will send you an email that includes the details of your balance transfer agreement. (692 words) - [What Credit Score is Needed to Buy a Car?](/content/happen-com/resource-center/auto-refinance/what-is-a-good-credit-score-to-buy-a-car/index.html): If you’re in the market for a new car, you might be wondering if your current credit score will help you get a good deal or hold you back. Your credit score is an important part of the process, but it’s not the only factor. Though good and excellent credit scores help when taking out any line of credit, it is possible to buy a car with a less-than-ideal score. (1,350 words) - [How long does it take for a payment to process?](/content/happen-com/help/cleansweep-faq/how-long-does-it-take-for-a-payment-to-process/index.html): Payments process in 1–3 business days. (712 words) - [How do I set up my online account?](/content/happen-com/help/borrower-faq/how-do-i-set-up-my-online-account/index.html): After you're approved, you can visit the following link to get started on your online account: https://www.happen.com/auth/enrollment/setup-login. (616 words) - [How much can I borrow? - Borrower FAQ | Happen Bank](/content/happen-com/help/borrower-faq/how-much-can-i-borrow-pf/index.html): We offer financing to cover a wide range of procedures and treatments—up to $50,000. (669 words) - [Why is is my Cleansweep account closed? - Cleansweep FAQ | Happen Bank](/content/happen-com/help/cleansweep-faq/why-is-this-happening/index.html): Through the course of continuing to test and refine this product, we have made the difficult decision to discontinue CleanSweep. (726 words) - [Who can apply?](/content/happen-com/help/borrower-faq/who-can-apply/index.html): Any US citizen or resident over 18 years old can apply. (581 words) - [How do I know if my business provider offers Happen Bank financing?](/content/happen-com/help/borrower-faq/how-do-i-know-if-my-dental-or-medical-provider-offers-lendingclub.html): There are two ways to check if your provider offers Happen Bank financing. (620 words) - [How do I check my monthly payment amount?](/content/happen-com/help/cleansweep-faq/how-do-i-check-my-monthly-payment-amount/index.html): Yes. You can change your due date to any day between the 1st and 28th of the month. (608 words) - [How long does it take for a balance transfer to process?](/content/happen-com/help/cleansweep-faq/how-long-does-it-take-for-a-balance-transfer-to-process.html): It generally takes up to 7 days to process the request. (834 words) - [What is a payment due date? | Happen Bank](/content/happen-com/help/cleansweep-faq/what-is-a-payment-due-date/index.html): A payment due date is the last date or "deadline" for a payment before it is considered late. (611 words) - [7 Ways to Prevent Identity Theft & Protect Your Finances | Happen Bank ](/content/happen-com/resource-center/personal-finance/identity-theft-7-tips-to-reduce-your-risk/index.html): Learn the warning signs of identity theft, how to protect your private information, and what to do if your identity is stolen. (2,355 words) - [Financial lessons to teach your kids at every age](/content/happen-com/resource-center/personal-finance/financial-lessons-to-teach-your-kids-at-every-age/index.html): Wondering when to teach kids about money? Here's a helpful guide for every age group, from toddlerhood to early adulthood. (1,019 words) - [Does this impact my other Happen accounts?](/content/happen-com/help/cleansweep-faq/does-this-impact-my-other-lendingclub-accounts/index.html): The CleanSweep account closure has no impact on your personal loan or any other of your Happen accounts. (636 words) - [Where is my CleanSweep billing statement?](/content/happen-com/help/cleansweep-faq/when-do-i-get-a-statement-for-my-balance-transfer-plan.html): You'll get your balance transfer plan statement on your billing cycle date. (92 words) - [What is a wire transfer and SWIFT code? ](/content/happen-com/help/checking-accounts-faq/what-is-a-wire-transfer-and-swift-code-6/index.html): The Society for Worldwide Interbank Financial Telecommunication (SWIFT) Code is a unique identification code that may be required by some banks, broker-dealers, and investment managers for the completion of international wire transfers. (357 words) - [I got a notice that one of my balance transfers was canceled. Why did that happen?](/content/happen-com/help/cleansweep-faq/i-got-a-notice-that-one-of-my-balance-transfers-was-canceled-why-did-that-happen.html): Balance transfers are canceled when a payment to a creditor fails. (561 words) - [ir-happen-com/news-releases/news-release-details/lendingclub-reports-first-quarter-2021-results/index.html](/content/ir-happen-com/news-releases/news-release-details/lendingclub-reports-first-quarter-2021-results/index.html) (795 words) - [Will I get a notification once my payment processes?](/content/happen-com/help/cleansweep-faq/will-i-get-a-notification-once-my-payment-processes.html): Yes. You'll get an email confirming your payment once it processes. (174 words) - [What happens after I link accounts?](/content/happen-com/help/checking-accounts-faq/what-happens-after-i-link-accounts/index.html): Depending on the linking option you choose, we might need to send 2 micro-deposits to the new external account to verify ownership. These micro-deposits typically take 3-5 business days to deposit in your bank account. (331 words) - [6 ways to pay off credit card debt fast](/content/happen-com/resource-center/personal-finance/ways-to-pay-off-credit-card-debt-fast/index.html): With the cost of consumer goods increasing, many Americans have less available cash to pay down credit card balances. At the same time, rising interest rates make carrying a balance on your credit cards even more expensive. (1,655 words) - [How Do I Resolve Password Issues?](/content/happen-com/help/business-loan-faq/how-do-i-resolve-password-issues/index.html): How Do I Resolve Password Issues? (1,076 words) - [What are wire transfers and SWIFT codes?](/content/happen-com/help/checking-accounts-faq/what-is-a-wire-transfer-and-swift-code-5/index.html): A wire transfer is an electronic payment service for transferring funds by wire, for example, through SWIFT, the Federal Reserve Wire Network, or the Clearing House Interbank Payments System. (409 words) - [Debt snowball vs. avalanche: Which should you choose?](/content/happen-com/resource-center/personal-finance/debt-snowball-vs-avalanche-which-should-you-choose/index.html): When paying down debt quickly is your main goal, using either the debt snowball or avalanche method can work. We examine the benefits and drawbacks of each. (1,246 words) - [Can I send a same-day wire, cancel a wire, or initiate a wire by phone?](/content/happen-com/help/checking-accounts-faq/can-i-send-a-same-day-wire-cancel-a-wire-or-initiate-a-wire-by-phone-3.html): Domestic wires submitted before 5:30 PM ET. and International wires submitted before 4:00 PM ET. will be sent the same day. Wires submitted after these times will be sent the next business day. (354 words) - [Build a Solid Financial Foundation in 5 Steps | How to Build a Strong Financial Foundation](/content/happen-com/resource-center/personal-finance/how-to-build-a-strong-financial-foundation/index.html): To build a strong financial foundation, create a budget, save regularly, build an emergency fund, pay down debt, invest for the future, and maintain good credit. Educate yourself on financial topics and set clear, achievable financial goals. (1,377 words) - [What does "payment due" mean? | Happen Bank](/content/happen-com/help/cleansweep-faq/what-does-payment-due-mean/index.html): A "payment due" is the minimum payment amount required by the due date to keep an account in good standing. (496 words) - [Can I still use my line of credit?](/content/happen-com/help/cleansweep-faq/can-i-still-use-my-line-of-credit/index.html): Your CleanSweep line of credit is now closed. You can't make any new balance transfers. (329 words) - [What is inflation and how to overcome it?](/content/happen-com/resource-center/personal-finance/what-is-inflation-and-how-can-you-beat-it/index.html): Rising prices are making the necessities of life—food, housing, healthcare, transportation costs—and just about everything else, more expensive. What’s behind inflation? And how can you manage your money as your buying power shrinks? (1,838 words) - [What do I need to do?](/content/happen-com/help/cleansweep-faq/what-do-i-need-to-do/index.html): If you have no outstanding balance transfers, there's nothing else you need to do. (662 words) - [Will this impact my credit score?](/content/happen-com/help/cleansweep-faq/will-this-impact-my-credit-score/index.html): Happen Bank does not report CleanSweep accounts to the credit bureaus, which means the closure of your account will not affect your credit score or be provided on your credit report. (326 words) - [How is my minimum monthly payment calculated? ](/content/happen-com/help/cleansweep-faq/how-is-my-minimum-monthly-payment-calculated/index.html): To determine your minimum payment due, we add the installment payment due for each outstanding Balance Transfer Plan, plus any amount past due. (298 words) - [How do I make payments on my CleanSweep line of credit? ](/content/happen-com/help/cleansweep-faq/how-do-i-make-payments-on-my-cleansweep-line-of-credit.html): If you choose autopay, monthly payments will be withdrawn from your bank account. (220 words) - [How do I set up and cancel autopay for CleanSweep?](/content/happen-com/help/cleansweep-faq/how-do-i-set-up-and-cancel-autopay/index.html): You can set up autopay for CleanSweep on your Happen account dashboard. (214 words) - [I initiated a balance transfer by mistake. Can I cancel the balance transfer?](/content/happen-com/help/cleansweep-faq/i-initiated-a-balance-transfer-by-mistake-can-i-cancel-the-balance-transfer.html): No. Once a balance transfer has been initiated, it must be completed and cannot be transferred. (278 words) - [Can I change my payment due date?](/content/happen-com/help/cleansweep-faq/can-i-change-my-payment-due-date/index.html): Yes. You can change your due date to any day between the 1st and 28th of the month. (279 words) - [Will my automatic payment still be processed if I make a one-time payment?](/content/happen-com/help/cleansweep-faq/will-my-automatic-payment-still-be-processed-if-i-make-a-one-time-payment.html): Find out if your automatic payment will still be processed at Happen Bank. Get step-by-step answers in our CleanSweep FAQ help center. (189 words) - [Why is my minimum monthly payment less than what I was told when I initiated the balance transfer?](/content/happen-com/help/cleansweep-faq/why-is-my-minimum-monthly-payment-less-than-what-i-was-told-when-i-initiated-the-balance-transfer.html): If you assign multiple creditors to a balance transfer, but one or more creditor payments are returned, your minimum monthly payment for that balance transfer will be adjusted to reflect the total balance owed. (217 words) - [How to Get a Small Business Loan in 2024 | Lending Club ](/content/happen-com/resource-center/personal-finance/money-and-mental-health-is-burnout-affecting-your-finances.html): To get a small business loan, apply at a bank or online lender. Key requirements include a solid business plan and financial statements. Good credit and collateral may also improve approval chances. (1,545 words) - [I went to apply for a CleanSweep account and saw it was no longer available. What happened?](/content/happen-com/help/cleansweep-faq/i-went-to-apply-for-a-cleansweep-account-and-saw-it-was-no-longer-available.html): We're sorry. As of December 18, 2024, Happen Bank discontinued the CleanSweep line-of-credit product. (381 words) - [Why is the button on my account dashboard to initiate balance transfers disabled?](/content/happen-com/help/cleansweep-faq/why-is-the-button-on-my-account-dashboard-to-initiate-balance-transfers-disabled.html): If you don't see the option to initiate a balance transfer, it's possible that your account is blocked. (140 words) - [How to Get a Small Business Loan in 2024 | Lending Club ](/content/happen-com/resource-center/personal-finance/simple-steps-on-how-to-start-saving-money/index.html): To get a small business loan, apply at a bank or online lender. Key requirements include a solid business plan and financial statements. Good credit and collateral may also improve approval chances. (1,057 words) - [What is the minimum amount required to open a checking account?](/content/happen-com/help/checking-accounts-faq/what-is-the-minimum-amount-required-to-open-a-checking-account.html): There’s no minimum balance requirement to open your checking account or to keep it open. (324 words) - [How to Access Partner Finance Services | Happen Bank](/content/happen-com/help/small-business-faq/how-can-i-find-out-more-about-autobooks/index.html): Find out how to learn more about Autobooks at Happen Bank. Get step-by-step answers in our Small Business FAQ help center. (81 words) - [How can I learn more about cash management services?](/content/happen-com/help/small-business-faq/how-can-i-learn-more-about-cash-management-services.html): Find out how to learn more about cash management services at Happen Bank. Get step-by-step answers in our Small Business FAQ help center. (681 words) - [New LevelUp Checking account checklist](/content/happen-com/help/checking-accounts-faq/new-levelup-checking-account-checklist/index.html): Here’s an overview of what you can do to get started with our online experience, after applying: (485 words) - [What is a wire transfer and SWIFT code?](/content/happen-com/help/small-business-faq/what-is-a-wire-transfer-and-swift-code-4/index.html): The Society for Worldwide Interbank Financial Telecommunication (SWIFT) Code is a unique identification code that may be required by some banks, broker-dealers, and investment managers for the completion of international wire transfers. (488 words) - [Personal loans with a cosigner vs. co-borrower](/content/happen-com/resource-center/personal-loan/personal-loans-with-a-cosigner-vs-co-borrower/index.html): If you’re working on improving your credit score, securing a new personal loan on your own could be challenging. However, you might be able to get approved by applying along with someone else. (2,155 words) - [ New User Enrollment - Happen Bank ](/content/banking-happen-com/enroll/index.html): Happen Bank's Online Banking Portal. (210 words) - [How do I activate a new ATM/Debit card?](/content/happen-com/help/small-business-faq/how-do-i-activate-a-new-atm-debit-card-3/index.html): The process to activate your debit card. (551 words) - [How do I contact my commercial banking account manager?](/content/happen-com/help/small-business-faq/how-do-i-contact-my-commercial-banking-account-manager.html): Find out how to contact your commercial banking account manager at Happen Bank. Get step-by-step answers in our Small Business FAQ help center. (584 words) - [Page Does Not Exist | LendingClub](/content/happen-com/resource-center/personal-finance/what-affects-your-credit-score/index.html): Page Does Not Exist | LendingClub (377 words) - [PowerPoint Presentation](/content/ir-happen-com/static-files/5454ca9b-5094-4af4-8972-ff4f95f3477d/index.html) (2,612 words) - [How do I order checks? - Checking Accounts FAQ | Happen Bank](/content/happen-com/help/checking-accounts-faq/how-do-i-order-checks-2/index.html): Checks are always free with LevelUp Checking. You can order a pack of 25 checks anytime you need them so long as your bank account is open. (378 words) - [How do I get a debit or ATM card?](/content/happen-com/help/checking-accounts-faq/how-do-i-get-a-debit-or-atm-card/index.html): Your debit or ATM card should arrive in the mail within 7-10 business days after opening your account. (313 words) - [How do I make additional payments?](/content/happen-com/help/business-loan-faq/how-do-i-make-additional-payments/index.html): We apply any one-time payments directly to your principal balance, reducing the total cost of financing. (183 words) - [What is a wire transfer and SWIFT code?](/content/happen-com/help/small-business-faq/what-is-a-wire-transfer-and-swift-code-3/index.html): The Society for Worldwide Interbank Financial Telecommunication (SWIFT) Code is a unique identification code that may be required by some banks, broker-dealers, and investment managers for the completion of international wire transfers. (495 words) - [How can I open a LevelUp Checking account?](/content/happen-com/help/checking-accounts-faq/how-can-i-open-a-checking-account/index.html): LevelUp Checking is available to Happen Bank members only (378 words) - [How Do I Change My Business Bank Account?](/content/happen-com/help/business-loan-faq/how-do-i-change-my-business-bank-account/index.html): Need to change the bank account you linked when you applied? You can make that change directly from your Account Summary. (281 words) - [Why should I choose Happen Bank for my financing partner?](/content/happen-com/help/business-faq/why-should-i-choose-lendingclub-patient-solutions-for-my-patient-financing-partner.html): You’ve worked hard to build your business and gain your customers’ trust. We treat each of your customers with the same care and compassion. (780 words) - [Where can I find the products and features of my small business account?](/content/happen-com/help/small-business-faq/where-can-i-find-the-products-and-features-of-my-small-business-account.html): Find out where to find the products and features of your small business account at Happen Bank. Get step-by-step answers in our Small Business FAQ help center. (516 words) - [Where can I access my statements and 1099 form?](/content/happen-com/help/small-business-faq/where-can-i-access-my-statements-and-1099-form-3/index.html): How to access your statements and 1099 forms via online banking and Happen Bank mobile app. (578 words) - [How do I make changes to my payment date?](/content/happen-com/help/business-loan-faq/how-do-i-make-changes-to-my-payment-date/index.html): How Do I Make Changes to My Payment Date? (355 words) - [How do I fund my checking account?](/content/happen-com/help/checking-accounts-faq/how-do-i-fund-my-checking-account/index.html): To make your initial deposit, you can: Transfer money from your existing Happen Bank account or an account at another financial institution. (311 words) - [How Can I Get Support During the Government Shutdown?](/content/happen-com/help/personal-loan-faq/how-can-i-get-support-during-the-government-shutdown.html): We understand that unexpected disruptions, like a government shutdown, can cause financial stress, and Need a hand? We can help. (545 words) - [How will I know what my administrative fee is for each application?](/content/happen-com/help/business-faq/how-will-i-know-what-my-administrative-fee-is/index.html): You can log into the Business Center at any time and check practice fees for any of your patients by clicking the borrower's name. (517 words) - [How will I know if applications have been approved or declined?](/content/happen-com/help/business-faq/how-will-i-know-if-my-borrowers-have-applied-and-if-they-have-been-approved-or-declined.html): We know the sooner an application is approved, the sooner you can get on with the work. (624 words) - [Do I give Happen Bank 100% of my paycheck?](/content/happen-com/help/small-business-faq/do-i-give-lendingclub-100-of-my-paycheck-2/index.html): You can allocate a specific percentage or dollar amount to be direct deposited into your Happen account, anywhere from 1-100% of your paycheck. (426 words) - [How does my business checking account earn interest?](/content/happen-com/help/small-business-faq/how-do-i-earn-interest-on-my-business-checking-account.html): Your Tailored Checking account begins earning interest the day you open the account. (654 words) - [How does early direct deposit work?](/content/happen-com/help/small-business-faq/how-does-early-direct-deposit-work-2/index.html): When you set up direct deposit into your Happen account, we make your funds available as soon as we receive notification from the depositor when funds will be available. (323 words) - [How can I open a small business account?](/content/happen-com/help/small-business-faq/how-can-i-open-a-small-business-account/index.html): You can apply online for a business checking account. (470 words) - [Page Does Not Exist | LendingClub](/content/happen-com/loans/financial-education/index.html): Page Does Not Exist | LendingClub (376 words) - [How do I withdraw from my account?](/content/happen-com/help/small-business-faq/how-do-i-withdraw-from-my-account-3/index.html): You can withdraw funds from the account in three ways. (152 words) - [Page Does Not Exist | LendingClub](/content/happen-com/help/checking-accounts-faq/how-can-i-set-up-a-direct-deposit-3/index.html): Page Does Not Exist | LendingClub (381 words) - [How do I order checks for my small business account? ](/content/happen-com/help/small-business-faq/how-do-i-order-checks/index.html): To order checks, please contact us at 800-242-0272. (57 words) - [How do I get started?](/content/happen-com/help/business-faq/how-do-i-get-started/index.html): Once we’ve received your enrollment information, signed agreement and voided check, our team will verify that the information you provided is accurate and will set up your business in our system. (584 words) - [How are funds sent to my business and how fast will I receive them?](/content/happen-com/help/business-faq/how-are-funds-sent-to-my-business-and-how-fast-will-i-receive-them.html): The funds are directly deposited to your account within 1–3 business days. (523 words) - [Where can I see details about all applications for our business?](/content/happen-com/help/business-faq/where-can-i-see-details-of-all-applications-for-our-business.html): Yes—the Application Overview screen in your Business Center dashboard displays the disbursement information needed to post a loan. (410 words) - [How do I add a beneficiary to my business account? ](/content/happen-com/help/small-business-faq/how-do-i-add-a-beneficiary-to-my-business-account/index.html): You can add beneficiaries by reaching out to Customer Service at 800-242-0272 or using Secure Message within Online or Mobile Banking. (70 words) - [How will I know if Happen Bank has received signed paperwork?](/content/happen-com/help/business-faq/how-will-i-know-if-lendingclub-has-received-a-patients-signed-paperwork.html): In the Business Center Dashboard, the status column will say “Complete” once the signed approval documents have been received and accepted. (160 words) - [6 simple steps to build a better budget](/content/happen-com/resource-center/personal-finance/simple-steps-to-building-a-better-budget/index.html): If the thought of creating a budget makes you want to run for the hills, you aren’t alone. Budgeting can often feel overwhelming, especially if looking at bank statements or even just thinking about your money makes you feel uncomfortable. (1,624 words) - [LendingClub 4Q23 Earnings Pressentation](/content/ir-happen-com/static-files/95c08d83-bd74-44aa-873f-421e13d84c2e/index.html) (2,562 words) - [What is the Evaluation Period?](/content/happen-com/help/savings-accounts-and-cds-faq/what-is-the-evaluation-period/index.html): The Evaluation Period for your LevelUp Savings account refers to the previous month’s statement cycle. (431 words) - [PowerPoint Presentation](/content/ir-happen-com/static-files/7462ed54-254c-4e4e-b9e3-09b2c786a712/index.html) (2,255 words) - [Compound interest vs. simple interest: differences & how to calculate](/content/happen-com/resource-center/personal-loan/compound-interest-vs-simple-interest-whats-the-difference.html): Simple interest is calculated only on the principal amount, while compound interest is calculated on the principal plus any accumulated interest. Due to the interest-on-interest effect, compound interest grows faster over time. (1,327 words) - [Understanding Average American's Savings by Age](/content/happen-com/resource-center/personal-savings/understanding-average-americans-savings-by-age/index.html): Find out how your savings stack up against other people your age—and what you can do to grow your savings at any stage of life. (2,202 words) - [LendingClub Reports Third Quarter 2025 Results](/content/ir-happen-com/node/46071/pdf/index.html) (1,970 words) - [ir-happen-com/static-files/03e64d3b-eb72-455f-8d4c-9375b677f3e8/index.html](/content/ir-happen-com/static-files/03e64d3b-eb72-455f-8d4c-9375b677f3e8/index.html) (1,565 words) - [What if I don't want to renew my CD?](/content/happen-com/help/savings-accounts-and-cds-faq/what-if-i-dont-want-to-renew-my-cd/index.html): During your grace period, you may close your CD. (457 words) - [Healthcare Financing and Loans | Happen Bank Health and Wellness](/content/happen-com/patient-solutions/index.html): Our goal is to help you afford the care you need when you need it. We know that navigating healthcare financing can be overwhelming, which is why we offer budget-friendly plans and a simple application process. (511 words) - [Page Does Not Exist | LendingClub](/content/happen-com/financing-solutions/about-us/index.html): Page Does Not Exist | LendingClub (361 words) - [How long until my personal loan is approved? ](/content/happen-com/resource-center/personal-loan/ways-to-ensure-your-chance-of-getting-a-loan-fast/index.html): Getting approved for a personal loan usually takes a few days depending on the lender, your credit score, and how quickly you submit required documents.  (1,090 words) - [Essential guide to planning for your retirement](/content/happen-com/resource-center/personal-savings/essential-guide-to-planning-for-your-retirement/index.html): Whether you’re already on track to retire in your mid-50s, or you're just hoping to stop working before your 75th birthday, here are tried-and-true strategies and questions that can help you think about how to plan for your eventual retirement, including when to call in a pro to help get you there. (2,509 words) - [How to set your financial goals in 5 steps](/content/happen-com/resource-center/personal-finance/how-to-set-your-financial-goals/index.html): Financial goals can help you lay the groundwork for your financial plan and work toward long-term financial security and independence. Setting financial goals can also change how you look at your income opportunities and spending habits, helping you align your behavior with what’s most important to you. (1,284 words) - [What do you report to credit bureaus?](/content/happen-com/help/general-faq/what-do-you-report-to-credit-bureaus/index.html): We report all account experiences, both positive and negative, to one or more of the credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report, as will a record of on-time payments. (774 words) - [Is my account FDIC insured?](/content/happen-com/help/checking-accounts-faq/is-my-checking-account-fdic-insured/index.html): Yes! Your account is FDIC-insured up to applicable limits – $250,000 per depositor, per ownership category. (231 words) - [The Importance of Saving: How Much Should You Save from Your Paycheck?](/content/happen-com/resource-center/personal-savings/how-much-of-your-paycheck-should-you-save/index.html): Unsure of how much to save from your paycheck? Learn the recommended percentage and get valuable tips to maximize your savings potential. (1,940 words) - [What is a wire transfer and SWIFT code?](/content/happen-com/help/savings-accounts-and-cds-faq/what-is-a-wire-transfer-and-swift-code-2/index.html): The Society for Worldwide Interbank Financial Telecommunication (SWIFT) Code is a unique identification code that may be required by some banks, broker-dealers, and investment managers for the completion of international wire transfers. (350 words) - [How do I send domestic and international wires? Are there fees or limits?](/content/happen-com/help/checking-accounts-faq/how-do-i-send-a-domestic-and-international-wire-are-there-fees-or-limits-2.html): Personal Banking Customers: Our Elite and Reserve Tier customers can place a wire via Online banking or the Happen Bank Mobile app. For all other customers, they can reach out to Customer Service at 800.242.0272 to initiate a wire.  (334 words) - [How do I link my bank account?](/content/happen-com/help/personal-loan-faq/how-do-i-link-my-bank-account/index.html): The payment transaction type (signature-based or other) is ultimately decided by the merchant and is based on how the transaction is transmitted at the time of processing. (491 words) - [How to Get a Small Business Loan in 2024 | Lending Club ](/content/happen-com/resource-center/personal-loan/how-to-get-approved-for-a-car-loan/index.html): To get a small business loan, apply at a bank or online lender. Key requirements include a solid business plan and financial statements. Good credit and collateral may also improve approval chances. (936 words) - [How do I resolve issues when entering creditors for balance transfer payments?](/content/happen-com/help/general-faq/how-do-i-resolve-issues-when-entering-creditors-for-balance-transfer-payments.html): How Do I Resolve Issues When Entering Creditors for Balance Transfer Payments? (249 words) - [5 ideas to build passive income](/content/happen-com/resource-center/personal-savings/ideas-to-build-passive-income/index.html): Discovering the right source of passive income for you depends on your assets, skills, and interests. Knowing where to start can be a major hurdle. Here are five solid ideas to spark your thinking. (1,764 words) - [When setting up Direct Deposit, what credentials should I use when connecting with my payroll provider?](/content/happen-com/help/checking-accounts-faq/when-setting-up-direct-deposit-what-credentials-should-i-use-when-connecting-2.html): You should use the email address or username and password for your payroll provider, not your Happen Bank account credentials. (572 words) - [LendingClub 1Q22 Earnings Presentation](/content/ir-happen-com/static-files/ea7d6428-79ab-4ef7-8b3a-7976bbfdcb67/index.html) (1,373 words) - [Where can I deposit cash into my account?](/content/happen-com/help/checking-accounts-faq/where-can-i-deposit-cash-into-my-checking-account/index.html): You can deposit cash at any MoneyPass ATM that accepts cash deposits.  (323 words) - [How do I add more funds to my account?](/content/happen-com/help/checking-accounts-faq/how-do-i-add-more-funds-to-my-checking-account/index.html): You can add funds to your account online or in the app. (352 words) - [How do I link an external account?](/content/happen-com/help/checking-accounts-faq/how-do-i-link-an-external-account-2/index.html): This page explains how to link an external account. (254 words) - [What is the incoming international wire process?](/content/happen-com/help/checking-accounts-faq/what-is-the-incoming-international-wire-process-2/index.html): For us to receive an international wire transfer, you'll need to have your bank send a Fedwire Funds Service request through their North American correspondent using this information: (386 words) - [Can I set up Direct Deposit for more than one account?](/content/happen-com/help/savings-accounts-and-cds-faq/can-i-set-up-direct-deposit-for-more-than-1-savings-account.html): Yes! You can split your pay into more than one account. You will need to set up one account at a time using our automated direct deposit enrollment tool. (280 words) - [How do I cancel a transaction?](/content/happen-com/help/savings-accounts-and-cds-faq/how-do-i-cancel-a-transaction/index.html): There are a variety of reasons why you may want to stop or cancel a transaction.  If your personal information was stolen, please contact Customer Service to speak with an agent immediately at 800-242-0272. (231 words) - [We're sorry... this page does not exist | Happen Bank](/content/happen-com/public/safety-and-privacy2-action.html) (32 words) - [How do I initiate an external transfer?](/content/happen-com/help/checking-accounts-faq/how-do-i-initiate-an-external-transfer-3/index.html): Once you have set up an external account, you are ready to initiate a transfer (334 words) - [How do I manually verify an external account?](/content/happen-com/help/savings-accounts-and-cds-faq/how-do-i-manually-verify-an-external-account/index.html): If you have chosen Manual Verification to link an external account, we will send two micro-deposits to that external account. These micro-deposits typically take 3-5 business days to reflect as a deposit in your external bank account. (359 words) - [How do you send a domestic wire to a Happen Bank account?](/content/happen-com/help/checking-accounts-faq/what-are-the-domestic-wire-instructions-to-send-a-wire-to-a-happen-bank-account-3.html): Fees and limits may apply, depending on whether you have a personal or business account and the type of wire. You will be able to review any fees and limits before completing your wire transfer in Online and Mobile Banking or by phone. (357 words) - [PowerPoint Presentation](/content/ir-happen-com/static-files/0e8ff19f-44a1-4eec-971d-ff953df926e8/index.html) (1,459 words) - [How do I stop payment on a check?](/content/happen-com/help/checking-accounts-faq/how-do-i-stop-payment-on-a-check/index.html): We can’t stop payment on a check that’s in process or that has already been deposited or cashed. (306 words) - [What is Happen Bank and what do we do?](/content/happen-com/help/general-faq/what-is-lendingclub-and-what-do-we-do/index.html): Happen Bank is the only full-spectrum financial technology (fintech) marketplace bank and the first public US neobank. (725 words) - [What are the restricted countries as it relates to payments?](/content/happen-com/help/general-faq/what-are-the-restricted-countries-as-it-relates-to-payments.html): Effective January 1, 2025, we will not accept or process any wire transfers, whether they are incoming or outgoing, to or from the high-risk countries listed below. (296 words) - [0001409970-26-000140 | 8-K | XBRL Viewer | Happen INC](/content/ir-happen-com/node/142061/xbrl-viewer/index.html): Happen INC SEC filing: Form 8-K on 06/22/2026 (0001409970-26-000140) (XBRL) (143 words) - [How do I set up bill pay?](/content/happen-com/help/savings-accounts-and-cds-faq/how-do-i-set-up-bill-pay/index.html): From your account, select Move Money > Bill Pay. (358 words) - [High-Yield CD 101: A Beginner's Guide to Understanding How They Work](/content/happen-com/resource-center/personal-savings/what-is-a-high-yield-cd-and-how-does-it-work/index.html): Find out what a high-yield CD is and how it works, earn about the different types of CDs and their advantages, and explore the pros and cons. (1,871 words) - [Can I make multiple deposits in a month to meet the requirement?](/content/happen-com/help/savings-accounts-and-cds-faq/can-i-make-multiple-deposits-in-a-month-to-meet-the-requirement.html): Yes, you can make multiple deposits during the Evaluation Period to meet the minimum deposit of at least $250 to earn the LevelUp Rate. (389 words) - [How do I manage alerts? - Checking Accounts FAQ | Happen Bank](/content/happen-com/help/checking-accounts-faq/how-do-i-manage-alerts-2/index.html): How to manage alerts. (353 words) - [When and why did Happen Bank acquire Radius Bank?](/content/happen-com/help/general-faq/when-and-why-did-lendingclub-acquire-radius-bank/index.html): On February 1, 2021, Happen Bank, N.A., closed the acquisition of Radius Bancorp and its wholly-owned subsidiary, Radius Bank, becoming the only full-spectrum financial technology (fintech) marketplace bank and the first public U.S. neobank. (553 words) - [How do I activate a new ATM/Debit card?](/content/happen-com/help/savings-accounts-and-cds-faq/how-do-i-activate-a-new-atm-debit-card/index.html): To Activate a debit card, please call 800-418-3964 and follow the message prompts (391 words) - [Financing Solutions Home Page](/content/happen-com/financing-solutions/index.html): Financing Solutions Home Page (532 words) - [How do I change the name on my personal deposit account?](/content/happen-com/help/checking-accounts-faq/how-do-i-change-the-name-on-my-checking-account/index.html): You may need to update your legal name due to a life event, such as marriage, divorce, and other events. (237 words) - [How do I check my financial health?](/content/happen-com/help/general-faq/how-do-i-check-my-financial-health/index.html): We support the financial success of our members, and part of that success is having a healthy relationship with credit. (492 words) - [What do I do if there is fraud detected on my account? ](/content/happen-com/help/checking-accounts-faq/what-do-i-do-if-there-is-fraud-detected-on-my-checking-account.html): If there is fraud detected on your account, call Customer Service immediately at 800-242-0272 to report the fraudulent activity. (234 words) - [FDIC vs. SIPC: Where is it better to hold cash?](/content/happen-com/resource-center/personal-savings/fdic-vs-sipc-where-is-it-better-to-hold-cash/index.html): The FDIC and the SPIC are independent entities created by Congress to protect consumers. When considering where to hold cash, consider the pros and cons of these insurance protections in deciding between a bank or a brokerage firm. (1,459 words) - [How do I create a nickname for the description of my account?](/content/happen-com/help/checking-accounts-faq/how-do-i-create-a-nickname-for-the-description-of-my-checking-account.html): Creating a nickname is helpful when you have more than one account. (164 words) - [What is phishing?](/content/happen-com/help/general-faq/what-is-phishing/index.html): Phishing is an attempt to steal your personal and financial information, perpetrated by bad actors posing as a trusted company or individual, to lure you into clicking a malicious link or providing sensitive information over the phone. (407 words) - [Is LevelUp Savings only for new members?](/content/happen-com/help/savings-accounts-and-cds-faq/is-levelup-savings-only-for-new-members/index.html): No, both new and existing Happen Bank members can open a LevelUp Savings account. (406 words) - [How do I set up two-factor authentication?](/content/happen-com/help/savings-accounts-and-cds-faq/how-do-i-set-up-the-login-authentication/index.html): Two-factor authentication is automatically set up using the phone number you provided when applying for an account. You're welcome to change or add authentication methods. (343 words) - [FDIC vs. NCUA insurance: Are banks or credit unions safer?](/content/happen-com/resource-center/personal-savings/fdic-vs-ncua-insurance-are-banks-or-credit-unions-safer.html): How do NCUA insurance (for credit unions) and FDIC insurance (for banks) compare, and how do they work? Is one considered more safe than the other? Here's everything you need to know. (982 words) - [Contact Us | Happen Bank Financing Solutions](/content/happen-com/financing-solutions/contact-us/index.html): Need a hand? We can help. Contact us today. (239 words) - [What is a LevelUp Savings Account?](/content/happen-com/help/savings-accounts-and-cds-faq/what-is-a-levelup-savings-account/index.html): LevelUp Savings is a high-yield savings account that rewards you with a higher LevelUp Rate when you make deposits of at least $250 per statement cycle. (452 words) - [What is a CD and how does it work?](/content/happen-com/help/savings-accounts-and-cds-faq/what-is-a-cd-and-how-does-it-work/index.html): A Certificate of Deposit (CD) helps you save money for a specified period, also known as the CD’s term, while receiving a fixed rate of return. (523 words) - [Can I use the $250 credit for a payment?](/content/happen-com/help/personal-loan-faq/can-i-use-250-credit-for-a-payment/index.html): No. You still have to make your monthly payment. (542 words) - [How do I correct discrepancies in my credit bureau report?](/content/happen-com/help/general-faq/how-do-i-correct-discrepancies-in-my-credit-report/index.html): If you believe that your credit report contains inaccurate or incomplete information, you can dispute it directly with the agency that’s reporting it. (242 words) - [ir-happen-com/static-files/8b104a7c-b721-418f-80fe-ac3d01ed6533/index.html](/content/ir-happen-com/static-files/8b104a7c-b721-418f-80fe-ac3d01ed6533/index.html) (90 words) - [Is there a minimum amount required for a deposit?](/content/happen-com/help/savings-accounts-and-cds-faq/is-there-a-minimum-amount-required-for-a-deposit/index.html): There’s no minimum amount required for a deposit; however, to qualify for the LevelUp Rate, cumulative deposits must total at least $250 during the Evaluation Period. (429 words) - [What are some general troubleshooting tips?](/content/happen-com/help/general-faq/what-are-some-general-troubleshooting-tips/index.html): What Are Some General Troubleshooting Tips? (205 words) - [0001409970-26-000140 | 8-K | iXBRL Viewer | Happen INC](/content/ir-happen-com/node/142061/ixbrl-viewer/index.html): Happen INC SEC filing: Form 8-K iXBRL on 06/22/2026 (0001409970-26-000140). (13,787 words) - [ir-happen-com/static-files/078f5c33-0bef-4dda-b02d-5e98cbf38bdb/index.html](/content/ir-happen-com/static-files/078f5c33-0bef-4dda-b02d-5e98cbf38bdb/index.html) (28 words) - [7 financial lessons every teen needs to know](/content/happen-com/resource-center/personal-finance/financial-lessons-to-teach-teens-before-they-graduate-high-school.html): A growing number of school districts are adding financial literacy to the high school curriculum with the goal of increasing teen’s financial skills. Do you remember learning about money? (1,436 words) - [How do I resolve email issues?](/content/happen-com/help/general-faq/how-do-i-resolve-email-issues/index.html): To add us to your address book, open the message and select Add to Contacts or Add to Address Book. If you find our email in your junk or spam folder, mark it as Not Spam or Not Junk to make sure our messages go to your inbox in the future. (209 words) - [ir-happen-com/static-files/a8fd9bf8-21a6-42c5-a050-f120f9d9662d/index.html](/content/ir-happen-com/static-files/a8fd9bf8-21a6-42c5-a050-f120f9d9662d/index.html) (8 words) - [How do I access my account from abroad?](/content/happen-com/help/general-faq/how-do-i-access-my-account-from-abroad/index.html): When you’re traveling, you may access your account online from many countries around the world. That said, there are a few restrictions to keep in mind. (156 words) - [Can I add additional funds to my CD?](/content/happen-com/help/savings-accounts-and-cds-faq/can-i-add-additional-funds-to-my-cd/index.html): No. Additional deposits cannot be made to a CD following the initial deposit until the CD matures.  (464 words) - [Q42023 10-K](/content/ir-happen-com/static-files/827110ea-0d96-4911-9fc9-35577a3eb200/index.html) (68,460 words) - [Can I transfer money out of my LevelUp Savings account during the month?](/content/happen-com/help/savings-accounts-and-cds-faq/can-i-transfer-money-out-of-my-levelup-savings-account-during-the-month.html): Yes, you can transfer money out of your LevelUp Savings account at any time. (251 words) - [How do I withdraw from my account?](/content/happen-com/help/savings-accounts-and-cds-faq/how-do-i-withdraw-from-my-account/index.html): You can withdraw funds from the account in three ways. (310 words) - [Can I withdraw funds from my CD early and are there penalties if I do?](/content/happen-com/help/savings-accounts-and-cds-faq/can-i-withdraw-my-money-early-from-my-cd-and-are-there-penalties.html): Any early CD withdrawals made outside the 10-day grace period following the maturity date may be subject to an early withdrawal penalty. (552 words) - [Can I send a same-day wire, cancel a wire or initiate a wire by phone?](/content/happen-com/help/savings-accounts-and-cds-faq/can-i-send-a-same-day-wire-cancel-a-wire-or-initiate-a-wire-by-phone.html): Domestic wires submitted before 5:30 PM ET. and International wires submitted before 1:00 PM ET. will be sent the same day. Wires submitted after these times will be sent the next business day.  (342 words) - [How does my savings or CD account earn interest?](/content/happen-com/help/savings-accounts-and-cds-faq/how-do-i-earn-interest-on-my-savings-account/index.html): There is no minimum balance required to earn interest in your savings account. Accrued interest payments are credited to your account on the last business day of each month. (485 words) - [What is a wire transfer and SWIFT code?](/content/happen-com/help/savings-accounts-and-cds-faq/what-is-a-wire-transfer-and-swift-code/index.html): The Society for Worldwide Interbank Financial Telecommunication (SWIFT) Code is a unique identification code that may be required by some banks, broker-dealers, and investment managers for the completion of international wire transfers. (313 words) - [What qualifies as a direct deposit?](/content/happen-com/help/savings-accounts-and-cds-faq/what-is-a-qualifying-direct-deposit/index.html): Direct Deposits are defined as recurring Automated Clearing House (ACH) credits, including payroll, pension, or government payments, such as Social Security, made by your employer or an outside agency. (322 words) - [How to shift from two incomes to one income](/content/happen-com/resource-center/personal-finance/strategies-for-shifting-from-dual-earning-to-living-on-one-income.html): Giving yourself time to prepare can help you maximize your success when you go from two household incomes to one. (1,130 words) - [Empowering financial resources and tips for every woman](/content/happen-com/resource-center/personal-finance/landmark-facts-about-women-and-money/index.html): For centuries, American women have fought for gender pay equality, lobbied for financial autonomy, and more than earned their places of leadership in the economy. Women and their legacy have impacted today’s world and economy in countless ways. (1,042 words) - [Do I give Happen Bank 100% of my paycheck?](/content/happen-com/help/savings-accounts-and-cds-faq/do-i-give-lendingclub-100-of-my-paycheck/index.html): You can allocate a specific percentage or dollar amount to be direct deposited into your Happen account, anywhere from 1-100% of your paycheck. (269 words) - [How do I request or manage beneficiaries on my account?](/content/happen-com/help/savings-accounts-and-cds-faq/how-do-i-add-a-beneficiary-to-my-savings-account/index.html): You can request to add a beneficiary as part of your application or after submitting and receiving confirmation on your new Happen account. (346 words) - [When is the First Evaluation Period for a new LevelUp Savings Account?](/content/happen-com/help/savings-accounts-and-cds-faq/when-is-the-first-evaluation-period-for-a-new-levelup-savings-account.html): The First Evaluation Period starts after the first two statement cycles following account opening (511 words) - [What happens if I miss the deposit requirement for a month?](/content/happen-com/help/savings-accounts-and-cds-faq/what-happens-if-i-miss-the-deposit-requirement-for-a-month.html): If you miss the deposit requirement during a statement cycle, you’ll earn the Standard Rate for the following statement cycle. (441 words) - [Are there any fees for my savings account?](/content/happen-com/help/savings-accounts-and-cds-faq/are-there-any-fees-for-my-savings-account/index.html): There are no monthly maintenance, overdraft, or NSF fees for your account. (437 words) - [LendingClub Reports Second Quarter 2023 Results](/content/ir-happen-com/node/46261/pdf/index.html) (916 words) - [LendingClub 2Q23 Earnings Presentation ](/content/ir-happen-com/static-files/79e496f8-a94e-40f2-8411-e1e3321a4475/index.html) (607 words) - [Do I need to make deposits prior to the First Evaluation Period?](/content/happen-com/help/savings-accounts-and-cds-faq/do-i-need-to-make-deposits-prior-to-the-first-evaluation-period.html): No, you don’t need to make deposits during the first two statement cycles to earn the LevelUp Rate. This gives you time to set up any recurring monthly deposits. (454 words) - [PowerPoint Presentation](/content/ir-happen-com/static-files/4ab373b8-fe56-43db-b917-23f8f4914ca3/index.html) (669 words) - [How do I add creditors to my Direct Pay loan? ](/content/happen-com/help/personal-loan-faq/how-do-i-add-creditors-to-my-balance-transfer-loan/index.html): Adding creditors to your balance transfer loan is easy. (826 words) - [How Does Early Direct Deposit Work | Happen Bank](/content/happen-com/help/savings-accounts-and-cds-faq/how-does-early-direct-deposit-work/index.html): How does early direct deposit work at Happen Bank. Get step-by-step answers in our Savings Accounts and CDs FAQ help center. (473 words) - [How do I pay off my loan? - Personal Loan FAQ | Happen Bank](/content/happen-com/help/personal-loan-faq/how-do-i-pay-off-my-loan/index.html): If you're ready to pay off your loan, congratulations! That’s a big financial step. (736 words) - [How to shift your money mindset from scarcity to abundance ](/content/happen-com/resource-center/personal-finance/steps-for-shifting-from-a-scarcity-mindset-into-abundance.html): Shift from scarcity to abundance by focusing on financial growth, saving, and investing. Prioritize long-term goals, celebrate progress, and adopt a mindset of opportunity rather than limitations. (1,589 words) - [What is the minimum balance to keep in my savings or CD account?](/content/happen-com/help/savings-accounts-and-cds-faq/what-is-the-minimum-balance-to-keep-in-my-savings-account.html): While you may need to meet a minimum opening deposit for your savings account, there is no minimum balance requirement to maintain your savings account. (504 words) - [Do you understand the time value of money?](/content/happen-com/resource-center/personal-loan/do-you-understand-the-time-value-of-money/index.html): The time value of money means money today is worth more than the same amount in the future due to its earning potential. It reflects the benefit of receiving money now versus later. (1,245 words) - [How to create your ideal wedding budget](/content/happen-com/resource-center/personal-finance/how-to-create-the-ideal-wedding-budget/index.html): Setting a wedding budget may not be as difficult or overwhelming as you think. This guide will help you keep it simple.  (1,085 words) - [ir-happen-com/static-files/67a6776a-7749-4497-a4e0-5dd5e3cb2143/index.html](/content/ir-happen-com/static-files/67a6776a-7749-4497-a4e0-5dd5e3cb2143/index.html) (728 words) - [New Account Checklist](/content/happen-com/help/savings-accounts-and-cds-faq/new-account-checklist/index.html): Enroll in Online Banking and set up multi-factor authentication (444 words) - [What are the rates, fees and interest for personal loans?](/content/happen-com/help/personal-loan-faq/what-are-the-rates-fees-and-interest-for-personal-loans.html): Your annual percentage rate (APR) is the overall yearly cost of your loan, including fees and interest. The APR on Happen Bank loans ranges from 7.04% to 35.99%. (656 words) - [What SCRA and MLA Benefits are available for servicemembers?](/content/happen-com/help/personal-loan-faq/what-scra-and-mla-benefits-are-available-for-servicemembers.html): The Servicemembers Civil Relief Act (SCRA) and the Military Lending Act (MLA) provide certain financial benefits and protections to eligible servicemembers when they enter active duty. (440 words) - [Should I work with debt settlement companies?](/content/happen-com/help/personal-loan-faq/should-i-work-with-debt-settlement-companies/index.html): If you're having trouble making your payments, we encourage you to reach out to us before enrolling with a debt settlement company. (506 words) - [How do I confirm my employment?](/content/happen-com/help/personal-loan-faq/how-do-i-confirm-my-employment/index.html): In some cases, we may need to confirm your employment before your application can be finalized. The fastest way to confirm your employment is to provide your work email address. (658 words) - [How do I apply for a joint loan?](/content/happen-com/help/personal-loan-faq/how-do-i-apply-for-a-joint-loan/index.html): The whole application, approval, and funding process can take as little as a week. Even if it takes a little longer, we’ll keep you informed every step of the. (515 words) - [How do I confirm my email address?](/content/happen-com/help/personal-loan-faq/how-do-i-confirm-my-email-address/index.html): After you submit your application, you'll get an email with instructions for confirming your email address. (235 words) - [Why wasn't my loan funded?](/content/happen-com/help/personal-loan-faq/why-wasnt-my-loan-funded/index.html): While funding issues don’t happen often, it’s possible a loan may not get fully funded. (767 words) - [Who is eligible for this promotion?](/content/happen-com/help/personal-loan-faq/who-is-eligible-for-250-account-credit-promotion/index.html): This offer is available to new borrowers who receive this offer and complete the loan application through the provided offer link by July 16, 2026. (348 words) - [How do I make loan payments? | Happen Bank](/content/happen-com/help/personal-loan-faq/how-do-i-make-loan-payments/index.html): At Happen Bank, we care about your financial health. We make it easy for you to make payments that keep your account on track. (1,071 words) - [Why did my credit scores go down?](/content/happen-com/resource-center/personal-finance/why-did-my-credit-score-drop-and-reasons-and-tips-to-boost-your-credit-score.html): Skipping bill payments, carrying more debt, or applying for a lot of credit at once may cause your credit scores to take a dip. (1,284 words) - [Can I add a joint owner to my account?](/content/happen-com/help/savings-accounts-and-cds-faq/can-i-add-a-joint-owner-to-my-savings-account/index.html): Yes! As part of the application you will have the opportunity to add a joint account owner after you submit your personal information and receive confirmation on the details of your newly approved Happen account. (457 words) - [Should I get a Direct Pay loan with Happen Bank? ](/content/happen-com/help/personal-loan-faq/should-i-get-a-balance-transfer-loan/index.html): Direct pay loans are a great option to pay down or consolidate multiple debts, while cash loans may be a better fit for a single large expense. (590 words) - [How do I qualify for the promotion?](/content/happen-com/help/personal-loan-faq/how-do-i-qualify-for-250-account-credit-promotion/index.html): Existing members, including those with an active or previous LendingClub or Happen Bank personal loan or another eligible LendingClub or Happen Bank product, aren't eligible for this promotion. (612 words) - [PowerPoint Presentation](/content/ir-happen-com/static-files/5ddab1f4-f720-4909-b566-a0ffb1573e4c/index.html) (734 words) - [How do I confirm my income? | Happen Bank](/content/happen-com/help/personal-loan-faq/how-do-i-confirm-my-income/index.html): To process your application, we may need to confirm your income matches what was on your application. (473 words) - [How can I use my loan? - Personal Loan FAQ | Happen Bank](/content/happen-com/help/personal-loan-faq/how-can-i-use-my-loan/index.html): You can use your loan funds for a number of things. (638 words) - [How do I fund my savings or CD account?](/content/happen-com/help/savings-accounts-and-cds-faq/how-do-i-fund-my-savings-account/index.html): To make your initial deposit, you can: Transfer money from your existing Happen Bank account or an account at another financial institution. (319 words) - [Will I receive $250 in my bank account?](/content/happen-com/help/personal-loan-faq/will-i-receive-250-in-my-bank-account/index.html): No. This promotion doesn’t provide cash or a deposit into your checking or savings account. (447 words) - [How do I complete the 4506-T form?](/content/happen-com/help/personal-loan-faq/how-do-i-complete-the-4506-t-form/index.html): The 4506-T form gives us permission to request a copy of your tax return from the IRS. We use it to verify the accuracy of the financial information you entered on the application. You won’t be charged anything for the form. (437 words) - [What do I need to start a savings account application?](/content/happen-com/help/savings-accounts-and-cds-faq/what-do-i-need-to-start-a-savings-account-application.html): To open a savings or certificate of deposit (CD) account, you must be 18 or older and a citizen or resident of the United States. (368 words) - [What should I do if I'm declined?](/content/happen-com/help/personal-loan-faq/what-should-i-do-if-im-declined/index.html): If we’re not able to offer you a lending product, you're welcome to apply through one of our lending partners. (609 words) - [What documents may I be asked to submit?](/content/happen-com/help/personal-loan-faq/what-documents-may-i-be-asked-to-submit/index.html): Once you submit your application, we'll confirm your information. (628 words) - [Does my deposit application affect my credit score?](/content/happen-com/help/savings-accounts-and-cds-faq/do-you-do-a-credit-check/index.html): We don’t pull a credit report as part of our bank account opening process. Your credit score will not be affected. (311 words) - [Why is the Happen Bank Retail Notes program closing?](/content/happen-com/help/investing-faq/why-is-the-lendingclub-retail-notes-program-closing.html): The program has been winding down for several years since Happen Bank has transitioned to a marketplace bank. (683 words) - [How do I qualify for a personal loan?](/content/happen-com/help/personal-loan-faq/how-do-i-qualify-for-a-personal-loan/index.html): To qualify for a lending product with Happen Bank Bank, you must... (587 words) - [How do I get a debit/ATM card?](/content/happen-com/help/savings-accounts-and-cds-faq/how-do-i-get-a-debit-atm-card/index.html): If requested during account opening, your debit/ATM card should arrive within 7-10 business days after your application is approved. (325 words) - [How do I change my bank account?](/content/happen-com/help/personal-loan-faq/how-do-i-change-my-bank-account/index.html): You can go online anytime to add or change what bank accounts are linked to your Happen account. (490 words) - [What is the minimum amount required to open a savings account?](/content/happen-com/help/savings-accounts-and-cds-faq/what-is-the-minimum-amount-required-to-open-a-savings-account.html): To complete the account opening process, you may be required to deposit some money into your account depending on the savings product. (385 words) - [LendingClub 3Q22 Earnings Presentation](/content/ir-happen-com/static-files/bf140bff-b369-46df-af5e-c79ff400b97b/index.html) (696 words) - [How can I open a LevelUp Savings or CD account?](/content/happen-com/help/savings-accounts-and-cds-faq/how-can-i-open-a-savings-account/index.html): A focus on how to open a LevelUp Savings account and CDs. (291 words) - [PowerPoint Presentation](/content/ir-happen-com/static-files/7dcb1ac4-7ac3-4be1-9c2a-f9a316935f64/index.html) (747 words) - [LendingClub Reports Second Quarter 2024 Results | Tue, 07/30/2024 - 08:00](/content/ir-happen-com/news-releases/news-release-details/lendingclub-reports-second-quarter-2024-results/index.html): 10% Sequential Originations Growth Strong Balance Sheet Growth with Stable Net Interest Margin Drives Increase in Revenue SAN FRANCISCO, July 30, 2024 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, today (1,175 words) - [What does this mean for my account?](/content/happen-com/help/investing-faq/what-does-this-mean-for-my-account/index.html): We’ll contact all investors during the first half of 2025 with information on the closing of all Happen Bank Notes accounts. (547 words) - [Contact Us | Financing Solutions (Patient Solutions)](/content/happen-com/company/contact/patient-solutions/index.html): Contact Us | Financing Solutions (Patient Solutions) (455 words) - [What if I submit more than one application?](/content/happen-com/help/personal-loan-faq/what-if-i-submit-more-than-one-application/index.html): Only the first qualifying funded loan associated with an eligible promotional offer can receive the account credit. (441 words) - [LendingClub Reports Third Quarter 2023 Results | Wed, 10/25/2023 - 08:00](/content/ir-happen-com/news-releases/news-release-details/lendingclub-reports-third-quarter-2023-results/index.html): Continued GAAP Profitability With Strong Capital & Liquidity Levels Doubles Issuance of Structured Certificates With New Buyers Added to Platform SAN FRANCISCO, Oct. 25, 2023 /PRNewswire/ -- LendingClub Corporation  (NYSE: LC), the parent company of LendingClub Bank, America's leading digital (804 words) - [How can I get natural disaster support?](/content/happen-com/help/personal-loan-faq/how-can-i-get-natural-disaster-support/index.html): We're sorry if you've been affected by a recent natural disaster in your area. We know that this can be a challenging time for you and your loved ones, and we're here to h (318 words) - [How does the $250 Account Credit Promotion work?](/content/happen-com/help/personal-loan-faq/how-does-the-250-account-credit-promotion-work/index.html): Eligible new customers who receive this promotional offer can earn a $250 account credit to their loan’s principal balance. (424 words) - [When does the $250 Account Credit promotion start and end?](/content/happen-com/help/personal-loan-faq/when-does-the-250-account-credit-promotion-start-and-end.html): Complete the loan application through the provided offer link by July 16, 2026. (535 words) - [How do I pay off my business loan?](/content/happen-com/help/business-loan-faq/how-do-i-pay-off-my-business-loan/index.html): If you're ready to pay off your loan, congratulations! That's a big achievement. Once you pay off your loan, you won’t owe any additional interest and your monthly payments will end. (241 words) - [Credit Bureau | LendingClub Glossary](/content/happen-com/glossary/c/credit-bureau/index.html): {noun} Credit bureaus are companies that collect and maintain information about consumer borrowing and repayment history, and then compile this data into what are commonly referred to as “credit reports.” (981 words) - [How long does it take to refinance my car?](/content/happen-com/help/auto-refinance-faq/how-long-does-it-take-to-refinance-my-car/index.html): We make refinancing your car fast and simple. The process may take up to 15 business days. (338 words) - [What is a Truth in Lending disclosure?](/content/happen-com/help/personal-loan-faq/what-is-a-truth-in-lending-disclosure/index.html): Taking out a loan can be a big decision, and the Truth in Lending disclosure is a standard form designed to help you understand your loan's specific terms, like how much you've borrowed, how many payments you'll make, and what your annual percentage rate (APR) is. (762 words) - [Can I apply for additional loans?](/content/happen-com/help/personal-loan-faq/can-i-apply-for-additional-loans/index.html): There’s no limit to the number of accounts you can apply for, but your total borrowed amount between all loans can’t be more than $75,000 (502 words) - [How long does it take to get approved for a loan?](/content/happen-com/help/personal-loan-faq/how-long-does-it-take-to-get-approved-for-a-loan/index.html): Our process is fast—most members are approved within a few hours. The exact turnaround time you’ll see for your application will depend on your unique details. (627 words) - [LendingClub Reports Second Quarter 2021 Results | Wed, 07/28/2021 - 08:00](/content/ir-happen-com/news-releases/news-release-details/lendingclub-reports-second-quarter-2021-results/index.html): Delivers Record Net Income on 93% Growth in Revenue Raising Full Year Revenue Target by +45% with Net Income Guidance of $25-$35 Million for the Second Half of 2021 SAN FRANCISCO, July 28, 2021 /PRNewswire/ --  LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's (5,406 words) - [When will my funds be available to use after I open my account?](/content/happen-com/help/checking-accounts-faq/when-will-my-funds-be-available-to-use-after-i-open-my-levelup-checking-account.html): If you fund your new account from an existing Happen account, your initial deposit will be available as soon as the transfer is complete. (172 words) - [How do I upload auto refinance documents?](/content/happen-com/help/auto-refinance-faq/how-do-i-upload-auto-refinance-documents/index.html): Once you submit your Auto Refinance application, we may ask you for additional paperwork to verify your information. (497 words) - [How do I apply for an auto refinance loan?](/content/happen-com/help/auto-refinance-faq/how-do-i-apply-for-an-auto-refinance-loan/index.html): Our quick application process asks for a few details to get you the best rate possible and to make sure your Auto Refinance runs smoothly. (552 words) - [How can I check if I've made a deposit for the month in my LevelUp Savings?](/content/happen-com/help/savings-accounts-and-cds-faq/how-can-i-check-if-ive-made-a-deposit-for-the-month-in-my-levelup-savings.html): You can check your account activity online or in the app to see whether you've met the required deposit for the month. (312 words) - [Where can I access my statements and 1099 form?](/content/happen-com/help/savings-accounts-and-cds-faq/where-can-i-access-my-statements-and-1099-form/index.html): How to access your statements and 1099 forms. (377 words) - [Where do I find the ATM locator?](/content/happen-com/help/savings-accounts-and-cds-faq/where-do-i-find-the-atm-locator/index.html): You can find the ATM locator in the Happen Bank app (284 words) - [How can I report a lost or stolen card?](/content/happen-com/help/savings-accounts-and-cds-faq/how-can-i-report-a-lost-or-stolen-card/index.html): You can report a lost or stolen card by calling 800-754-4128. (356 words) - [How do I view my interest rate, APY, and interest earned?](/content/happen-com/help/savings-accounts-and-cds-faq/how-do-i-view-my-interest-rate-apy-and-interest-earned.html): Log in to your account online or in the app. (301 words) - [LendingClub Reports Fourth Quarter and Full Year 2021 Results | Wed, 01/26/2022 - 08:00](/content/ir-happen-com/news-releases/news-release-details/lendingclub-reports-fourth-quarter-and-full-year-2021-results.html): Record Q4 Revenue and Net Income Exceed High End of Guidance and Drive Full Year Profitability 2022 Outlook Reflects Revenue Growth of approximately 40% and Net Income Growth of $100+ Million SAN FRANCISCO, Jan. 26, 2022 /PRNewswire/ --  LendingClub Corporation (NYSE: LC), the parent company of (5,161 words) - [LendingClub Reports Third Quarter 2021 Results | Wed, 10/27/2021 - 08:00](/content/ir-happen-com/news-releases/news-release-details/lendingclub-reports-third-quarter-2021-results/index.html): Record Revenues Up 20% Sequentially Net Income up 190% Sequentially Raising Full Year Outlook SAN FRANCISCO, Oct. 27, 2021 /PRNewswire/ --  LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, today announced financial results for (5,337 words) - [LendingClub Reports First Quarter 2022 Results | Wed, 04/27/2022 - 08:00](/content/ir-happen-com/news-releases/news-release-details/lendingclub-reports-first-quarter-2022-results/index.html): Delivers Record Revenue and Net Income   Revenue More than Doubles and Net Income Increases Over $85 million Year-over-Year Raises 2022 Outlook SAN FRANCISCO, April 27, 2022 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital (4,479 words) - [LendingClub Reports Third Quarter 2022 Results | Wed, 10/26/2022 - 08:00](/content/ir-happen-com/news-releases/news-release-details/lendingclub-reports-third-quarter-2022-results/index.html): Revenue Increased 24% Year Over Year to $304.9 Million Diluted Earnings Per Share Increased 58% Year Over Year to $0.41 Total Assets Grew 43% Year Over Year to $6.8 Billion SAN FRANCISCO, Oct. 26, 2022  /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, (5,113 words) - [How do I make payments on auto refinance loans?](/content/happen-com/help/auto-refinance-faq/how-do-i-make-payments-on-auto-refinance-loans/index.html): We offer several ways for you to make your monthly auto loan payment, so you can choose the method that works best for you. A statement will be mailed to you every month that shows the payment amount and due date. (235 words) - [How do I submit title transfer documents?](/content/happen-com/help/auto-refinance-faq/how-do-i-submit-title-transfer-documents/index.html): An important step in refinancing your auto loan is updating your vehicle title with your new lender's name. (368 words) - [LendingClub Reports Fourth Quarter and Full Year 2023 Results | Tue, 01/30/2024 - 08:00](/content/ir-happen-com/news-releases/news-release-details/lendingclub-reports-fourth-quarter-and-full-year-2023-results.html): Increased Marketplace Originations 21% QoQ with $1B of Structured Certificates Sold Continued GAAP Profitability with Strong Capital & Liquidity Levels SAN FRANCISCO, Jan. 30, 2024 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital (5,092 words) - [LendingClub Reports Second Quarter 2022 Results | Wed, 07/27/2022 - 08:00](/content/ir-happen-com/news-releases/news-release-details/lendingclub-reports-second-quarter-2022-results/index.html): Record Revenue of $330 million Reported Net Income of $182 million Including Income Tax Benefit of $135 million Record Net Income of $47 million Excluding Income Tax Benefit SAN FRANCISCO, July 27, 2022 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, (5,143 words) - [LendingClub Reports Fourth Quarter and Full Year 2024 Results | Tue, 01/28/2025 - 08:00](/content/ir-happen-com/news-releases/news-release-details/lendingclub-reports-fourth-quarter-and-full-year-2024-results.html): Grew Originations +13%, Revenue +17%, and Total Assets +20% in Fourth Quarter Compared to Prior Year Executed $400 Million Loan Sale out of the Held-for-Sale Portfolio to a New Bank Buyer SAN FRANCISCO, Jan. 28, 2025 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of (5,297 words) - [LendingClub Reports Second Quarter 2023 Results | Wed, 07/26/2023 - 08:00](/content/ir-happen-com/news-releases/news-release-details/lendingclub-reports-second-quarter-2023-results/index.html): Continued Profitability with Strong Capital & Liquidity Levels Successful Launch of Structured Certificates Program SAN FRANCISCO, July 26, 2023 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, today announced (4,738 words) - [LendingClub Reports Fourth Quarter and Full Year 2022 Results | Wed, 01/25/2023 - 08:00](/content/ir-happen-com/news-releases/news-release-details/lendingclub-reports-fourth-quarter-and-full-year-2022-results.html): Delivers Record Full Year Revenue and Earnings Growth Despite Challenging Environment SAN FRANCISCO, Jan. 25, 2023 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, today announced financial results for the fourth (5,591 words) - [How do I pay off my previous auto loan?](/content/happen-com/help/auto-refinance-faq/how-do-i-pay-off-my-previous-auto-loan/index.html): When you're approved for a Happen Bank Auto Refinance loan, we pay off your previous auto loan for you—so you don’t have to do a thing. (213 words) - [Email Alerts - Unsubscribe | Happen, Inc.](/content/ir-happen-com/unsubscribe/index.html) (34 words) - [LendingClub Reports First Quarter 2024 Results | Tue, 04/30/2024 - 08:00](/content/ir-happen-com/news-releases/news-release-details/lendingclub-reports-first-quarter-2024-results/index.html): Strong Originations and Credit Performance Drives 12th Consecutive Quarter of GAAP Profitability SAN FRANCISCO, April 30, 2024 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital marketplace bank, today announced financial results (4,692 words) - [LendingClub Reports Third Quarter 2024 Results | Wed, 10/23/2024 - 08:00](/content/ir-happen-com/news-releases/news-release-details/lendingclub-reports-third-quarter-2024-results/index.html): Originations and Revenue Growth Supported by Return of Bank Buyers Total Assets Grew 25% Year to Date Driven by $1.3 Billion Purchase of LendingClub Loans Acquired Tally's Technology in October to Accelerate Product Roadmap SAN FRANCISCO, Oct. 23, 2024 /PRNewswire/ -- LendingClub Corporation (NYSE: (4,893 words) - [LendingClub Reports First Quarter 2025 Results | Tue, 04/29/2025 - 08:00](/content/ir-happen-com/news-releases/news-release-details/lendingclub-reports-first-quarter-2025-results/index.html): Grew Originations +21%, Revenue +20%, and Total Assets +13% in First Quarter Compared to Prior Year Exceeded $100 Billion in Lifetime Originations SAN FRANCISCO, April 29, 2025 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, America's leading digital (5,025 words) - [How do I submit documents for auto refinance loans?](/content/happen-com/help/auto-refinance-faq/how-do-i-submit-documents-for-auto-refinance-loans/index.html): Once you’ve submitted your application, we’ll try to confirm your information on our own. Sometimes, you may need to submit a few documents to confirm your identity, income, or vehicle ownership. (279 words) - [Fourth Quarter 2025 Earnings Conference Call | Happen, Inc.](/content/ir-happen-com/events/event-details/fourth-quarter-2025-earnings-conference-call/index.html): Fourth Quarter 2025 Earnings Conference Call on Wed, 01/28/2026 - 17:00 (16 words) - [Third Quarter 2024 Earnings Conference Call | Happen, Inc.](/content/ir-happen-com/events/event-details/third-quarter-2024-earnings-conference-call/index.html): Third Quarter 2024 Earnings Conference Call on Wed, 10/23/2024 - 17:00 (16 words) - [Q42024 10-K](/content/ir-happen-com/static-files/ba6226db-d60a-426f-8ba9-079d20d00cba/index.html) (65,919 words) - [ir-happen-com/node/142091/ics/index.html](/content/ir-happen-com/node/142091/ics/index.html) (29 words) - [Personal loan eligibility: Criteria you need to know before you apply](/content/happen-com/resource-center/personal-loan/personal-loan-eligibility-criteria-you-need-to-know-before-you-apply.html): Find a loan that not only meets your needs, but one you have a good chance of qualifying for. (1,850 words) - [How to evaluate your loan offer (and know if it’s right for you)](/content/happen-com/resource-center/personal-loan/how-to-evaluate-your-loan-offer-and-know-if-its-right-for-you.html): There are many situations when borrowing money, such as when buying a home, financing an education, growing a business, making home repairs and improvements, or consolidating debt (such as with a personal loan), can make good sense. (1,708 words) - [When & how to refinance your personal loan ](/content/happen-com/resource-center/personal-loan/when-and-how-to-refinance-a-personal-loan/index.html): You can refinance a personal loan by paying off an existing loan with a new personal loan—usually with more favorable terms like a lower interest rate or lower monthly payments than the original loan. (1,429 words) - [Page Does Not Exist | LendingClub](/content/happen-com/help/home-improvement-faq/how-much-20can-i-borrow-for-home-improvement/index.html): Page Does Not Exist | LendingClub (377 words) - [Page Does Not Exist | LendingClub](/content/happen-com/resource-center/personal-loan/does-refinancing-a-car-hurt-your-credit/index.html): Page Does Not Exist | LendingClub (377 words) - [What is the credit score in DebtIQ?](/content/happen-com/help/debtiq-faq/what-is-the-credit-score-in-debtiq/index.html): Your credit score in DebtIQ is your VantageScore. (523 words) - [What if I haven't logged into Happen Bank for a long time? Can I still access DebtIQ? ](/content/happen-com/help/debtiq-faq/what-if-i-havent-logged-into-lendingclub-for-a-long-time-can-i-still-access.html): Use your username and password to log in to the website or app to enroll in DebtIQ. (495 words) - [ How can I see what I qualify for?](/content/happen-com/help/home-improvement-faq/how-can-i-see-what-i-qualify-for/index.html): You can see which plans you pre-qualify for in seconds. Complete the pre-qualification form and select See Available Rates. If payment plans are available, you can review and select the one that works best with your budget. (583 words) - [What should I do if I notice an error on my credit report?](/content/happen-com/help/debtiq-faq/what-should-i-do-if-i-notice-an-error-on-my-credit-report.html): If you notice something wrong with your credit report, you should contact TransUnion directly. (404 words) - [What features does DebtIQ offer? ](/content/happen-com/help/debtiq-faq/what-features-does-debtiq-offer/index.html): DebtIQ is all about helping you get smarter about managing credit card debt. (71 words) - [Is my information secure? - Debtiq FAQ | Happen Bank](/content/happen-com/help/debtiq-faq/is-my-information-secure/index.html): We protect your data using industry-standard encryption and other security measures. This means your financial data is stored securely. (565 words) - [Hard Credit Inquiry vs Soft Credit Inquiry | Lending Club](/content/happen-com/resource-center/personal-finance/key-differences-of-a-soft-credit-check-vs-hard-credit-check.html): A soft pull credit check doesn't affect your credit score and is often used for pre-approvals or background checks. A hard credit check can lower your credit score and is used when you apply for loans. (1,850 words) - [Does DebtIQ work for Happen Bank members who have joint accounts? ](/content/happen-com/help/debtiq-faq/does-debtiq-work-for-lendingclub-members-who-have-joint-accounts.html): Joint account members who want to use DebtIQ will need to enroll separately. (359 words) - [How to Improve Your Credit Score | 9 Tips](/content/happen-com/resource-center/personal-loan/how-to-improve-credit-score/index.html): Higher credit scores provide access to lower interest rates and better terms when you apply for credit. However, if your credit score needs work, there may be credit hacks you can take to improve your score. (1,643 words) - [What credit monitoring tools are available in DebtIQ?](/content/happen-com/help/debtiq-faq/what-credit-monitoring-tools-are-available-in-debtiq.html): DebtIQ is a tool designed to help you get smarter about monitoring and managing your credit card debt. (484 words) - [How often is my information updated?](/content/happen-com/help/debtiq-faq/how-often-is-my-information-updated/index.html): Your connected cards are updated daily, as close to real-time as possible. (643 words) - [How do I know if the business providing my services offers financing through Happen Bank?](/content/happen-com/help/home-improvement-faq/does-my-business-provider-offer-financing-through-lendingclub.html): There are two ways to check if the business providing your treatment, goods, or services offers Happen Bank financing. (588 words) - [How does DebtIQ get my information?](/content/happen-com/help/debtiq-faq/how-does-debtiq-get-my-information/index.html): We work with TransUnion and a trusted data provider to retrieve your credit card information from the financial institutions listed on your credit report. (561 words) - [What’s the difference between a home improvement loan and a personal loan?](/content/happen-com/help/home-improvement-faq/difference-between-a-home-improvement-loan-and-a-personal-loan.html): Home improvement loans are offered at point-of-sale through participating merchants and are used to pay for a specific service or project. (551 words) - [What is DebtIQ?](/content/happen-com/help/debtiq-faq/what-is-debtiq/index.html): DebtIQ from Happen Bank is a completely free tool designed to help you get smarter about monitoring and managing your debt. (475 words) - [Business Debit Card Agreement](/content/happen-com/legal/deposits/business-debit-card-agreement/index.html): Business Debit Card Agreement (6,604 words) - [How do I use DebtIQ?](/content/happen-com/help/debtiq-faq/how-do-i-use-debtiq/index.html): When you log in to your Happen account, click the DebtIQ tab to enroll. (555 words) - [Can I unenroll from DebtIQ? | Happen Bank](/content/happen-com/help/debtiq-faq/can-i-unenroll-from-debtiq/index.html): You can enroll and unenroll from DebtIQ anytime with no obligation and no impact to your credit score. (472 words) - [Who can apply?](/content/happen-com/help/home-improvement-faq/who-can-apply-home-improvement/index.html): There are two ways to check if the business providing your treatment, goods, or services offers Happen Bank financing. (358 words) - [Will my monthly due date change?](/content/happen-com/help/topup-faq/will-my-monthly-due-date-change/index.html): Find out if your monthly due date will change at Happen Bank. Get step-by-step answers in our TopUp FAQ help center. (562 words) - [What happens after I check my rate?](/content/happen-com/help/topup-faq/what-happens-after-checking-rate/index.html): Find out what happens after checking your rate at Happen Bank. Get step-by-step answers in our TopUp FAQ help center. (343 words) - [What Affects Your Credit Score the Most? ](/content/happen-com/resource-center/personal-finance/what-affects-your-credit-scores/index.html): Credit scores are affected by payment history, credit utilization, credit mix, and other factors. Learn how to improve your scores. (2,054 words) - [Does refinancing a car hurt your credit score?](/content/happen-com/resource-center/auto-refinance/does-refinancing-a-car-hurt-your-credit/index.html): Your credit score may be impacted when you refinance your auto loan thanks to a hard credit check, but the effects are typically short-lived.    (1,343 words) - [Installment loans: What they are and how to use them](/content/happen-com/resource-center/personal-loan/what-is-an-installment-loan/index.html): An installment loan is a fixed-amount loan repaid over time through regular, scheduled payments, which include both principal and interest, until the loan is fully paid off. (1,540 words) - [Are there any fees?](/content/happen-com/help/topup-faq/are-there-any-fees-with-topup/index.html): Find out if there are any fees with TopUp at Happen Bank. Get step-by-step answers in our TopUp FAQ help center. (239 words) - [What to do if you’re declined a personal loan](/content/happen-com/resource-center/personal-loan/what-to-do-if-you-are-declined-a-personal-loan/index.html): Someone might be declined a personal loan due to poor credit score, high debt-to-income ratio, or insufficient income. Next steps include improving credit, reducing debt, or applying with a co-signer. Consider checking your credit report for errors and exploring other lenders. (1,966 words) - [What business types does Happen Bank offer financing to?](/content/happen-com/help/borrower-faq/what-business-types-does-lendingclub-offer-financing-to.html): While our partner network is expanding, we currently offer closed-end, fixed-rate financing for these types of products and services: (540 words) - [7 ways to practice self-care on a budget](/content/happen-com/resource-center/personal-finance/simple-wellness-saving-tips-to-save-money/index.html): Self-care doesn't have to be expensive. Here are some creative, low-cost strategies to boost your mental well-being. (1,127 words) - [Will checking my rate affect my credit score?](/content/happen-com/help/topup-faq/will-checking-my-rate-affect-my-credit-score-topup/index.html): Find out if checking your rate will affect your credit score at Happen Bank. Get step-by-step answers in our TopUp FAQ help center. (174 words) - [What is Direct Deposit? - Checking Accounts FAQ | Happen Bank](/content/happen-com/help/checking-accounts-faq/where-do-i-track-my-debit-card-cash-back-rewards/index.html): You can track your rewards online. Log in to your account, and visit the “Rewards” section where you can view your earned Loan Payment Rewards, Debit Card Rewards, and ATM Fee Rebates. (710 words) - [How quickly can I get my TopUp loan?](/content/happen-com/help/topup-faq/how-quickly-can-i-get-my-topup-loan/index.html): Once your loan is approved for funding, we’ll pay your creditors directly or send the money in as little as 24 hours.1 (529 words) - [How much can I borrow?](/content/happen-com/help/topup-faq/how-much-can-i-borrow-with-topup/index.html): Your maximum borrowing amount is based on your current loan's balance and your individual credit profile. (193 words) - [What is a TopUp loan?](/content/happen-com/help/topup-faq/what-is-a-topup-loan/index.html): Find out what a TopUp loan is at Happen Bank. Get step-by-step answers in our TopUp FAQ help center. (204 words) - [After my existing loan is paid off, do I get a refund of my origination fee?](/content/happen-com/help/topup-faq/after-my-existing-loan-paid-off-do-i-get-a-refund-origination-fee.html) (441 words) - [Personal Product Terms & Conditions](/content/happen-com/legal/personal-products-terms-and-conditions/index.html): Personal Product Terms & Conditions (2,133 words) - [What is Direct Deposit? - Checking Accounts FAQ | Happen Bank](/content/happen-com/help/checking-accounts-faq/is-there-a-limit-to-how-much-you-can-earn-through-our-debit-card-cash-back.html): There’s no limit on LevelUp Checking Rewards you can earn, so long as all qualification requirements are met. (400 words) - [Page Does Not Exist | LendingClub](/content/happen-com/help/savings-accounts-and-cds-faq/how-do-i-link-an-external-account/index.html): Page Does Not Exist | LendingClub (380 words) - [Am I required to take out extra cash?](/content/happen-com/help/topup-faq/am-i-required-to-take-out-extra-cash/index.html): Yes, the TopUp loan requires a minimum extra cash amount for each new loan request. (192 words) - [I have autopay set up on my existing loan. Will I need to set it up again with TopUp?](/content/happen-com/help/topup-faq/do-i-need-to-setup-autopay-again/index.html): Find out if you need to set up autopay again at Happen Bank. Get step-by-step answers in our TopUp FAQ help center. (125 words) - [How can I use my TopUp loan?](/content/happen-com/help/topup-faq/how-can-i-use-my-topup-loan/index.html): Find out how you can use the funds from your TopUp loan at Happen Bank. Get step-by-step answers in our TopUp FAQ help center. (177 words) - [Page Does Not Exist | LendingClub](/content/happen-com/help/savings-accounts-and-cds-faq/how-can-i-set-up-a-direct-deposit/index.html): Page Does Not Exist | LendingClub (377 words) - [How do I earn ATM rebates? | Happen Bank](/content/happen-com/help/checking-accounts-faq/how-do-i-earn-atm-rebates/index.html): Happen Bank does not charge a fee to use another bank’s ATM. (268 words) - [Guide to banking online](/content/happen-com/resource-center/personal-checking/guide-to-banking-online/index.html): Chances are, you’re managing money differently today than you were a few years ago. If your shopping, spending, and money management have moved online and onto your phone, you might want to consider whether an online-only bank is a fit for you. (1,388 words) - [How do I change the name on my business account?](/content/happen-com/help/small-business-faq/how-do-i-change-the-name-on-my-business-account/index.html): To change your business name or Employer Identification Number (EIN), please call Customer Service at 800-242-0272. (660 words) - [Pros and cons of leasing vs. buying a car](/content/happen-com/resource-center/auto-refinance/important-factors-to-consider-when-leasing-or-buying-a-car.html): Should you lease or buy your next car? Leasing costs less on a monthly basis and puts limits on how you can use your car. Buying comes with ownership responsibility but will cost you less in the long run. (1,654 words) - [7 recession-proof small businesses](/content/happen-com/resource-center/business-loan/recession-proof-small-business-ideas/index.html): Some small businesses seem to thrive no matter what the economy is doing. What’s their secret? Here are a few business ideas to consider and tips to help you bake some resiliency into your venture. (1,527 words) - [help-happen-com/hc/en-us/articles/215427278/index.html](/content/help-happen-com/hc/en-us/articles/215427278/index.html) (480 words) - [Why is budgeting so important for financial success? ](/content/happen-com/resource-center/personal-finance/tips-for-financial-success-in-budgeting-your-money/index.html): Budgeting is a lifelong money management skill that can help you control your spending, save for the unexpected, and build a strong financial foundation.  (1,031 words) - [How to Get a Small Business Loan in 2024 | Lending Club ](/content/happen-com/resource-center/business-loan/how-to-get-a-small-business-loan/index.html): To get a small business loan, apply at a bank or online lender. Key requirements include a solid business plan and financial statements. Good credit and collateral may also improve approval chances. (1,477 words) - [How do I get a debit/ATM card?](/content/happen-com/help/small-business-faq/how-do-i-get-a-debit-atm-card-3/index.html): If requested during account opening, your debit/ATM card should arrive within 7-10 business days after your application is approved. (657 words) - [​Financial Independence, Retire Early (FIRE) movement explained](/content/happen-com/resource-center/personal-savings/fire-movement-financial-independence-retire-early/index.html): What does it take to achieve financial independence early in life? The end goal for many FIRE followers is early retirement—but it’s not the only goal. (1,524 words) - [How Much is an Early Withdrawal Penalty for a CD? | CD Early Withdrawal Penalty](/content/happen-com/resource-center/personal-savings/cd-early-withdrawal-penalty-what-you-need-to-know/index.html): Withdrawing from a CD early usually incurs penalties, such as losing a portion of the interest earned, typically between three months to one year of interest, depending on the bank's terms. This reduces your overall return on the investment. (1,680 words) - [Borrower FAQ](/content/happen-com/help/borrower-faq/index.html): Borrower FAQ (373 words) - [Can I send a same-day wire, cancel a wire or initiate a wire by phone?](/content/happen-com/help/small-business-faq/can-i-send-a-same-day-wire-cancel-a-wire-or-initiate-a-wire-by-phone-2.html): Domestic wires submitted before 5:30 PM ET. and International wires submitted before 4:00 PM ET. will be sent the same day. Wires submitted after these times will be sent the next business day. (662 words) - [Checking Accounts FAQ - Help | Happen Bank](/content/happen-com/help/checking-accounts-faq/index.html): Checking Accounts FAQ (509 words) - [What do I need to do if the service amount needs to be changed?](/content/happen-com/help/business-faq/what-do-i-need-to-do-if-the-treatment-amount-needs-to-be-changed.html): You can still easily revise the borrowing amount by clicking Change on your Business Center Dashboard. Give us a call at 800-630-1663 if you need assistance. (729 words) - [Does debt consolidation hurt your credit score?](/content/happen-com/resource-center/personal-loan/does-debt-consolidation-hurt-your-credit-score/index.html): Consolidating debt often helps your credit—at least over the long term. A lower interest rate and a single fixed monthly payment make it easier to pay down debt, and lower credit card balances and on-time loan payments often help raise your score. (1,406 words) - [Banking on consumer credit: A smart move in today’s uncertain times](/content/happen-com/resource-center/institutional-investing/banking-on-consumer-credit/index.html): The typical investment mix of long-term loans and securities may turn out to yield lackluster results. Banks may have another investment option: consumer credit. (905 words) - [How to open a bank account online](/content/happen-com/resource-center/personal-checking/how-to-open-a-bank-account-online/index.html): Opening a bank account online is a convenient way to manage your money without setting foot in a local branch. Today, many online-only banks, traditional banks, and credit unions have easy online applications, so you can shop around and open an account from the comfort of your home. (1,536 words) - [How do loans work? Common loan types, how interest works + your pre-loan checklist](/content/happen-com/resource-center/personal-loan/how-do-loans-work/index.html): Loans are a common way to borrow money to consolidate debt, pay for a wedding, finance a vehicle, pay for a house, or cover business expenses. Understanding how loans work can help you determine the best type for your situation. (2,719 words) - [Guide to choosing the best personal loans in 2024](/content/happen-com/resource-center/personal-loan/guide-to-choosing-the-best-personal-loans/index.html): Whether you're completing a large home improvement project or paying down high-interest rate credit cards—a personal loan can give you the boost you need to reach your financial goals. (3,046 words) - [What Is A High-Yield Savings Account & Do You Need One? | Lending Club](/content/happen-com/resource-center/personal-savings/do-you-need-a-high-yield-savings-account/index.html): A high-yield savings account is a savings account that pays much more interest than regular savings accounts. You should consider opening one because it helps your money grow faster while still being safe and easy to access. (1,328 words) - [What is credit utilization? (and how to improve it)](/content/happen-com/resource-center/personal-finance/what-is-credit-utilization-and-how-to-improve-it/index.html): Your credit utilization rate measures the balances of your revolving accounts against your credit limits. Naturally, your ratio can influence your credit scores. A low utilization rate could improve your credit scores while a high utilization rate may hurt them. (1,580 words) - [How Does Refinancing a Car Work: The Complete Guide](/content/happen-com/resource-center/auto-refinance/how-does-refinancing-a-car-work/index.html): Applying for auto loan refinancing is straightforward, but it can involve some paperwork. Learn the steps involved in refinancing your car loan and get your documents in order. (1,613 words) - [How diversification builds resilience in banking](/content/happen-com/resource-center/institutional-investing/how-diversification-builds-resilience-in-banking/index.html): Banks that diversify across customer segments, lending categories, income streams, geographies, and digital platforms are not courting fragility, but insulating themselves against it. (637 words) - [How do I manage my account? | Happen Bank](/content/happen-com/help/personal-loan-faq/how-do-i-manage-my-account/index.html): 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. (951 words) - [Does Happen Bank have prepayment fees or penalties?](/content/happen-com/help/business-loan-faq/does-lendingclub-have-prepayment-fees-or-penalties/index.html): You can partially or fully prepay your loan at any time with absolutely no prepayment penalty or fee. (332 words) - [Happen Bank Resource Center](/content/happen-com/resource-center/auto-refinance/index.html): Happen Bank Resource Center (383 words) - [What is auto refinance? - Auto Refinance FAQ | Happen Bank](/content/happen-com/help/auto-refinance-faq/what-is-auto-refinance/index.html): Looking for a lower monthly car loan payment? Refinancing your car loan with Happen Bank could lower your monthly car payments and keep some money in your pocket.* (612 words) - [What Are the Rates and Fees for Auto Refinance Loans?](/content/happen-com/help/auto-refinance-faq/what-are-the-rates-and-fees-for-auto-refinance-loans.html): Rates and fees for your auto refinance loan depend on several factors, like your credit history and income. We’ll let you know about any potential fees or other costs during the application process, so you can be sure you’re making the right choice. (393 words) - [Can allowances help kids build smart financial habits?](/content/happen-com/resource-center/personal-finance/should-you-give-your-kids-an-allowance/index.html): Allowances are common in the U.S., but it’s important to weigh out the pros and cons before giving your kids an allowance. (786 words) - [How do I add additional users to my business checking account? ](/content/happen-com/help/small-business-faq/can-i-add-additional-users-to-my-business-checking-account.html): You can add additional users online and in the app. (196 words) - [What is the total cost of owning a car? ](/content/happen-com/resource-center/auto-refinance/essential-factors-that-impact-the-total-cost-of-car-ownership.html): The total cost of owning a car includes the purchase price, interest on loans, insurance, fuel, maintenance, repairs, taxes, registration, depreciation, and unexpected expenses. (681 words) - [CleanSweep FAQ](/content/happen-com/help/cleansweep-faq/index.html): CleanSweep FAQ (240 words) - [How do I refinance my car loan?](/content/happen-com/help/auto-refinance-faq/how-do-i-refinance-my-car-loan/index.html): It’s fast and simple to refinance your car loan with Happen Bank. If your car loan’s remaining balance is between $5,000 and $55,000, you can be on the road to savings by refinancing with us. (490 words) - [5 ways to make your money work for you](/content/happen-com/resource-center/personal-finance/best-ways-to-make-your-money-work-for-you/index.html): Helping your money grow may feel like a daunting task, especially if you’re not used to keeping a close eye on your cash. However, making your money work for you doesn’t have to be complicated or time-consuming. (1,191 words) - [Happen Bank Resource Center](/content/happen-com/resource-center/personal-checking/index.html): Happen Bank Resource Center (120 words) - [Happen Bank Resource Center](/content/happen-com/resource-center/business-loan/index.html): Happen Bank Resource Center (97 words) - [How do I make early or extra payments?](/content/happen-com/help/personal-loan-faq/how-do-i-make-early-or-extra-payments/index.html): You can make a one-time payment from your Member Center, by check, or over the phone.  (505 words) - [Business Loan FAQ](/content/happen-com/help/business-loan-faq/index.html): Business Loan FAQ (385 words) - [Credit Report Red Flags: What to Look For & How to Dispute Errors | Lending Club](/content/happen-com/resource-center/personal-finance/how-to-read-your-credit-report-identify-red-flags/index.html): Look for errors like wrong accounts, incorrect balances, or late payments you didn't miss. To dispute, write to the credit bureau with details and proof. They must investigate and correct any mistakes. (2,280 words) - [Emergency fund: Why you need one & how to start saving ](/content/happen-com/resource-center/personal-finance/your-emergency-fund-the-essential-guide/index.html): We all experience costly, unplanned expenses from time to time—a broken appliance, an auto accident, a surprise medical bill, a loss of income. Having a dedicated emergency fund can not only provide the reassurance you’ll be able to meet unanticipated financial needs, it’s also one of the first essential steps you can take to start saving. Putting even a small amount aside for emergencies can help you recover more quickly and get back to meeting your financial goals that much faster. (1,672 words) - [How do I set up my online account?](/content/happen-com/help/checking-accounts-faq/how-do-i-get-started-on-online-banking-2/index.html): Setting up your Happen Bank profile is easy and can be done once you have completed your application. (369 words) - [How do I change my due date? | Happen Bank](/content/happen-com/help/personal-loan-faq/how-do-i-change-my-due-date/index.html): 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—or even permanently move your due date. (500 words) - [Business Banking FAQ](/content/happen-com/help/small-business-faq/index.html): Business Banking FAQ (187 words) - [How to Get a Small Business Loan in 2024 | Lending Club ](/content/happen-com/resource-center/personal-loan/the-complete-guide-to-short-term-loans/index.html): To get a small business loan, apply at a bank or online lender. Key requirements include a solid business plan and financial statements. Good credit and collateral may also improve approval chances. (1,247 words) - [Medical Dental Practice Financing | SBA Loans | Happen Bank](/content/happen-com/business-loan/sba-loans/medical-dental-practice-financing/index.html): Business Loans | SBA | Medical & Dental Practice Financing (280 words) - [What happens when my CD matures?](/content/happen-com/help/savings-accounts-and-cds-faq/what-happens-when-my-cd-matures/index.html): We’ll email you a maturity notice at least 30 days before your CD matures. (516 words) - [Business FAQ](/content/happen-com/help/business-faq/index.html): Business FAQ (104 words) - [Line of credit vs. personal loans: How to decide what’s best for you](/content/happen-com/resource-center/personal-loan/line-of-credit-vs-loan-how-to-decide-whats-best-for-you.html): When choosing between a loan or line of credit for financing your personal or business needs, both have their pros and cons. And there are even situations where you might want both. (1,424 words) - [How to get a good interest rate on a personal loan](/content/happen-com/resource-center/personal-loan/how-to-get-a-good-personal-loan-interest-rate/index.html): Not only do rates fluctuate, but they can also vary widely by lender. Several other factors (such as your payment history, credit score, and debt-to-income ratio) will also play a part in the rate you’re offered. That’s why knowing what affects your rate and being prepared to shop around and compare what different lenders offer you is so important. (1,297 words) - [Business Product Terms & Conditions](/content/happen-com/legal/deposits/business-product-terms-and-conditions/index.html): Business Product Terms & Conditions (1,656 words) - [How do I upload documents? | Happen Bank](/content/happen-com/help/personal-loan-faq/how-do-i-upload-documents/index.html): Once you submit your application, we may ask you for additional paperwork to verify your information. (416 words) - [What types of deposits qualify for the LevelUp Rate?](/content/happen-com/help/savings-accounts-and-cds-faq/what-type-of-deposits-qualify-for-the-levelup-rate/index.html): Any deposit you make into a LevelUp Savings account during a given Evaluation Period qualifies toward the $250 threshold needed to receive the LevelUp Rate the following month. (331 words) - [LevelUp Checking – Reward-Earning Checking Account | Happen Bank](/content/happen-com/personal-banking/checking/levelup-checking/index.html): Earn rewards with LevelUp Checking: Get 2% cash back on Happen Bank personal loan payments and 1% cash back at gas stations, grocery stores, and pharmacies. (625 words) - [5 reasons a high-yield savings account is worth it](/content/happen-com/resource-center/personal-savings/reasons-a-high-yield-savings-account-is-worth-it/index.html): If flexibility and easy access to funds is just as important as maximizing your savings, a high-yield savings account deserves a closer look. Here’s everything you need to know about the advantages of high-yield savings accounts. (893 words) - [SEC Filing | Happen, Inc.](/content/ir-happen-com/node/142066/html/index.html) (497 words) - [Can I set up recurring deposits to ensure I always make a deposit?](/content/happen-com/help/savings-accounts-and-cds-faq/can-i-set-up-recurring-deposits-to-ensure-i-always-make-a-deposit.html): You can set up a Direct Deposit or a recurring ACH transfer to ensure you always make the minimum deposit required to earn the LevelUp Rate. (457 words) - [SEC Filing | Happen, Inc.](/content/ir-happen-com/node/142096/html/index.html) (495 words) - [Page Does Not Exist | LendingClub](/content/happen-com/help/checking-accounts-faq/where-do-i-find-the-atm-locator-3/index.html): Page Does Not Exist | LendingClub (376 words) - [SEC Filing | Happen, Inc.](/content/ir-happen-com/node/142081/html/index.html) (486 words) - [How do I opt out of direct mail marketing?](/content/happen-com/help/general-faq/how-to-opt-out-of-direct-mail-marketing/index.html): If you want to opt out of direct mail marketing, you will need to fill out the form. (119 words) - [Form 4 for Sanborn Scott filed 06/26/2026](/content/ir-happen-com/static-files/f336c211-68b9-4d87-870b-97c5be45b1e6/index.html) (730 words) - [How do I earn a LevelUp Rate?](/content/happen-com/help/savings-accounts-and-cds-faq/how-do-i-earn-a-levelup-rate/index.html): The LevelUp Rate is the rate you’ll earn if you make at least $250 in cumulative deposits during the previous statement cycle, known as the "Evaluation Period". (463 words) - [CleanSweep Line of Credit Agreement](/content/happen-com/legal/cleansweep-line-of-credit-agreement/index.html): CleanSweep Line of Credit Agreement (2,263 words) - [LevelUp Checking Terms & Conditions | Happen Bank](/content/happen-com/legal/deposits/levelup-checking-t-and-cs/index.html): LevelUp Checking Terms & Conditions | Happen Bank (1,538 words) - [SEC Filing | Happen, Inc.](/content/ir-happen-com/node/142031/html/index.html) (559 words) - [LendingClub Reports Fourth Quarter and Full Year 2025 Results](/content/ir-happen-com/node/46051/pdf/index.html) (868 words) - [Borrower Loan Agreement](/content/happen-com/legal/consolidated-borrower-loan-agreement/index.html): Borrower Loan Agreement (1,678 words) - [Form 144 for Lendingclub Corp filed 06/18/2026](/content/ir-happen-com/static-files/614dc75d-d722-4c66-b7ad-c83a1d2eb0cd/index.html) (546 words) - [How much can I borrow?](/content/happen-com/help/personal-loan-faq/how-much-can-i-borrow/index.html): Happen Bank offers loans up to $75,000. (763 words) - [SEC Filing | Happen, Inc.](/content/ir-happen-com/node/142041/html/index.html) (573 words) - [ir-happen-com/static-files/4e01e2cd-1709-406c-9543-adc9f05e736b/index.html](/content/ir-happen-com/static-files/4e01e2cd-1709-406c-9543-adc9f05e736b/index.html) (98 words) - [How do I get a loan?](/content/happen-com/help/personal-loan-faq/how-do-i-get-a-loan/index.html): Applying for a lending product is fast, easy, and confidential. (635 words) - [LevelUp Savings Terms & Conditions](/content/happen-com/legal/deposits/levelup-savings-t-and-cs/index.html): LevelUp Savings Terms & Conditions (1,152 words) - [SEC Filing | Happen, Inc.](/content/ir-happen-com/node/142036/html/index.html) (284 words) - [How do I use the mobile deposit feature?](/content/happen-com/help/savings-accounts-and-cds-faq/how-do-i-use-the-mobile-deposit-feature/index.html): You can deposit checks using the app! Here’s how: (337 words) - [Document](/content/ir-happen-com/static-files/56686db4-c736-4d5d-b1bb-1015c332bd75/index.html) (286 words) - [Form 8-A12B for Lendingclub Corp filed 06/18/2026](/content/ir-happen-com/static-files/bd61bcc7-4b5c-4228-8491-f5d3602f3dc7/index.html) (552 words) - [Form 4 for Sanborn Scott filed 07/17/2026](/content/ir-happen-com/static-files/4d83fe56-ce73-433a-9abb-533092dac4e8/index.html) (718 words) - [SEC Filing | Happen, Inc.](/content/ir-happen-com/node/142076/html/index.html) (616 words) - [SEC Filing | Happen, Inc.](/content/ir-happen-com/node/142071/html/index.html) (461 words) - [Personal loan vs. credit card: How to decide which is right for you ](/content/happen-com/resource-center/personal-loan/personal-loan-vs-credit-card-how-to-decide-which-is-right-for-you.html): A personal loan and credit card can be important financial tools, but it's important to understand how they each work before deciding which one to use.  (1,613 words) - [Form 4 for Stack Fergal filed 07/02/2026](/content/ir-happen-com/static-files/0f72beb8-82ee-4fc0-8c56-af9c07279083/index.html) (330 words) - [Tailored Checking Terms & Conditions](/content/happen-com/legal/deposits/tailored-checking-t-and-cs/index.html): Tailored Checking Terms & Conditions (1,134 words) - [Advance-fee loan scams: What they are & how to protect yourself ](/content/happen-com/resource-center/personal-loan/how-to-protect-yourself-from-scams/index.html): Advance-fee loan scammers promise you a guaranteed loan after you pay an upfront fee—usually disguised as a processing, insurance, or application fee. 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Form 8-A12B SEC Filing: Registration of certain classes of securities 12(b) of the Securities Exchange Act (45 words) - [Authorization for Automatic Payments ](/content/happen-com/legal/authorization-for-automatic-payments/index.html): Authorization for Automatic Payments (1,537 words) - [0001950047-26-006332 | 144 | Happen, Inc.](/content/ir-happen-com/sec-filings/sec-filing/144/0001950047-26-006332/index.html): Happen, Inc. Form 144 SEC Filing: Filed by "insiders" prior intended sale of restricted stock. (44 words) - [Can I cancel my loan application?](/content/happen-com/help/personal-loan-faq/how-do-i-cancel-my-loan-application/index.html): If you want to cancel your application, please call us immediately. Once a loan is funded, you have a limited time frame to cancel your application, depending on your loan type. (918 words) - [How to Get a Small Business Loan in 2024 | Lending Club ](/content/happen-com/resource-center/personal-loan/steps-to-how-to-take-out-a-personal-loan/index.html): To get a small business loan, apply at a bank or online lender. Key requirements include a solid business plan and financial statements. Good credit and collateral may also improve approval chances. (1,513 words) - [0001409970-26-000143 | 4 | Happen, Inc.](/content/ir-happen-com/sec-filings/sec-filing/4/0001409970-26-000143/index.html): Happen, Inc. Form 4 SEC Filing: Statement of changes in beneficial ownership of securities (45 words) - [Founder Savings Terms & Conditions](/content/happen-com/legal/deposits/founder-savings-t-and-cs/index.html): Founder Savings Terms & Conditions (582 words) - [0001354457-26-000598 | | Happen, Inc.](/content/ir-happen-com/sec-filings/sec-filing/0001354457-26-000598/index.html): Happen, Inc. Form CERT SEC Filing: Paper Submission (26 words) - [Form 4 for Cheng Jordan filed 07/02/2026](/content/ir-happen-com/static-files/8c65358b-2689-4eab-bb19-561861513db5/index.html) (357 words) - [Document](/content/ir-happen-com/static-files/49b7c133-95a8-4cd0-8fdd-954bf87fbba2/index.html) (324 words) - [Document](/content/ir-happen-com/static-files/02cf9b30-f2cc-4830-b41b-fd4dfb25fb44/index.html) (325 words) - [Document](/content/ir-happen-com/static-files/ef3796b1-9704-406f-9c61-1ee6787d633e/index.html) (324 words) - [How to apply for a joint personal loan](/content/happen-com/resource-center/personal-loan/how-to-apply-for-a-joint-personal-loan/index.html): There are many reasons to consider a joint personal loan, including sharing the payment obligations, securing better financing terms, and improving your odds of approval. So, if your credit history is holding you back from getting favorable interest rates and terms on your own, having a co-borrower could help you qualify for a personal loan. (1,280 words) - [Compensation Committee Charter - As Approved 2016.11.15](/content/ir-happen-com/static-files/77c4b799-285d-4ee1-b749-130e66699e3b/index.html) (2,880 words) - [ir-happen-com/static-files/ba85cb62-19bc-4b33-baf0-439c168f981d/index.html](/content/ir-happen-com/static-files/ba85cb62-19bc-4b33-baf0-439c168f981d/index.html) (127 words) - [Document](/content/ir-happen-com/static-files/16bb0d56-f5e1-47a5-b1a0-74359efb5e5e/index.html) (76 words) - [Document](/content/ir-happen-com/static-files/9f9a5636-973a-4dae-8760-81e6868dd3a2/index.html) (95 words) - [What is the difference between APY and interest?](/content/happen-com/help/savings-accounts-and-cds-faq/what-is-the-difference-between-apy-and-interest/index.html): The annual percentage yield (APY) is the rate you can earn on your account over a year and includes the effects of compounded interest. (461 words) - [Contact Happen Bank About Media Inquiries | Get Support](/content/happen-com/company/contact/media-inquiries/index.html): Contact Us | Media inquiries (413 words) - [Document](/content/ir-happen-com/static-files/137c781b-1678-417b-922d-5c06e0a3dc8d/index.html) (326 words) - [Document](/content/ir-happen-com/static-files/a07d3830-4563-4c15-a40b-f4922cd961ed/index.html) (100 words) - [0001409970-26-000148 | 4 | Happen, Inc.](/content/ir-happen-com/sec-filings/sec-filing/4/0001409970-26-000148/index.html): Happen, Inc. Form 4 SEC Filing: Statement of changes in beneficial ownership of securities (45 words) - [Happen Bank Resource Center](/content/happen-com/resource-center/personal-loan/index.html): Happen Bank Resource Center (761 words) - [HTTP Status 400 – Bad Request](/content/happen-com/slug.html) (44 words) - [0001409970-26-000152 | 4 | Happen, Inc.](/content/ir-happen-com/sec-filings/sec-filing/4/0001409970-26-000152/index.html): Happen, Inc. Form 4 SEC Filing: Statement of changes in beneficial ownership of securities (42 words) - [0001409970-26-000150 | 4 | Happen, Inc.](/content/ir-happen-com/sec-filings/sec-filing/4/0001409970-26-000150/index.html): Happen, Inc. Form 4 SEC Filing: Statement of changes in beneficial ownership of securities (45 words) - [Document](/content/ir-happen-com/static-files/dc986f59-0df3-4200-abb8-92b3126bdac8/index.html) (94 words) - [Document](/content/ir-happen-com/static-files/0a25bf10-ebf9-4b8c-83a9-fe470815d630/index.html) (72 words) - [SEC Filing | Happen, Inc.](/content/ir-happen-com/node/142061/html/index.html) (12,502 words) - [Form 8-K for Happen INC filed 06/22/2026](/content/ir-happen-com/static-files/d4e8a096-b560-41f7-8f07-f9234e6bc141/index.html) (12,471 words) - [Savings Rate | LendingClub Glossary](/content/happen-com/glossary/s/savings-rate/index.html): {noun} Personal savings divided by disposable personal income, expressed as a percentage. (1,067 words) - [General FAQ](/content/happen-com/help/general-faq/index.html): General FAQ (506 words) - [High-Yield Savings Terms & Conditions](/content/happen-com/legal/deposits/high-yield-savings-t-and-cs/index.html): High-Yield Savings Terms & Conditions (599 words) - [0001409970-26-000155 | 4 | Happen, Inc.](/content/ir-happen-com/sec-filings/sec-filing/4/0001409970-26-000155/index.html): Happen, Inc. Form 4 SEC Filing: Statement of changes in beneficial ownership of securities (35 words) - [Personal Debit Card Agreement](/content/happen-com/legal/deposits/personal-debit-card-agreement/index.html): Personal Debit Card Agreement (427 words) - [happen-com/patientsolutions/enroll/index.html](/content/happen-com/patientsolutions/enroll/index.html) (85 words) - [Compensation Committee Charter - As Approved 2016.11.15](/content/ir-happen-com/static-files/ba51dca6-79f3-430c-a3de-a2508a311b02/index.html) (2,780 words) - [Savings Accounts and CDs FAQ](/content/happen-com/help/savings-accounts-and-cds-faq/index.html): Savings Accounts and CDs FAQ (443 words) - [Electronic Funds Transfer Authorization](/content/happen-com/legal/deposits/electronic-funds-transfer/index.html): Electronic Funds Transfer Authorization (436 words) - [Document](/content/ir-happen-com/static-files/f93b64c6-c9bd-476e-a1ec-1a65566fb11e/index.html) (587 words) - [Happen Bank Resource Center](/content/happen-com/resource-center/personal-savings/index.html): Happen Bank Resource Center (659 words) - [DebtIQ Credit Authorization](/content/happen-com/legal/debtiq-credit-authorization/index.html): DebtIQ Credit Authorization (506 words) - [Credit card consolidation loan: Pay off cards with one fixed rate](/content/happen-com/resource-center/personal-finance/how-to-pay-off-multiple-cards/index.html): A credit card consolidation loan replaces multiple high-interest balances with one fixed monthly payment. See if the math works for your situation – and what to expect. (1,063 words) - [Document](/content/ir-happen-com/static-files/167db014-1aca-43b2-b8c5-c618a002c88f/index.html) (297 words) - [PowerPoint Presentation](/content/ir-happen-com/static-files/18a04813-542f-4892-b57a-8425930a8edf/index.html) (1,842 words) - [Document](/content/ir-happen-com/static-files/724bca20-b0fd-410c-af68-c2b76ca0ad8b/index.html) (284 words) - [Document](/content/ir-happen-com/static-files/3ca400e6-94a1-4c05-896d-ff218054ef00/index.html) (81 words) - [Rewards Checking | LendingClub Glossary](/content/happen-com/glossary/r/rewards-checking/index.html): {noun} A special type of checking account that offers perks or incentives when account holders meet certain requirements. (816 words) - [eCBSV Agreement](/content/happen-com/legal/deposits/ecbsv-agreement/index.html): eCBSV Agreement (348 words) - [Contact Happen Bank About SBA Lending | Get Support](/content/happen-com/company/contact/sba-lending/index.html): Contact Us | SBA Lending (433 words) - [Personal Loans FAQ](/content/happen-com/help/personal-loan-faq/index.html): Personal Loans FAQ (622 words) - [Will I receive any additional payments, and what if I didn’t receive my funds?](/content/happen-com/help/investing-faq/what-if-i-did-not-receive-funds/index.html): No additional payments will be issued. Prior to account closure, all remaining investor funds were distributed via ACH transfer or mailed check using the payment instructions on file. (228 words) - [Personal Online & Mobile Agreement](/content/happen-com/legal/deposits/personal-online-agreement/index.html): Personal Online & Mobile Agreement (410 words) - [HYSA vs CD: Which Savings Account Is Right for You?](/content/happen-com/resource-center/personal-savings/hysa-vs-cd-which-is-right-for-your-savings/index.html): High-yield savings account or CD – which earns more and fits your situation? Compare APY, access, and risk so you can put your money where it works hardest. (1,526 words) - [DebtIQ Terms of Use](/content/happen-com/legal/debtiq-terms-of-use/index.html): DebtIQ Terms of Use (108 words) - [Contact Us | Corporate Headquarters](/content/happen-com/company/contact/corporate-headquarters/index.html): Contact Us | Corporate Headquarters (516 words) - [Accrued Interest | LendingClub Glossary](/content/happen-com/glossary/a/accrued-interest/index.html): {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.  (1,205 words) - [ Home improvement loans: Finance your next project in 2026 ](/content/happen-com/resource-center/personal-loan/how-to-finance-home-improvement-loans/index.html): Compare your options for financing a home improvement project – personal loans, HELOCs, and more. See what each costs and which makes sense for your situation. (1,311 words) - [Contact Us | Financing Solutions](/content/happen-com/company/contact/financing-solutions/index.html): Contact Us | Financing Solutions (443 words) - [Best personal loan rates in 2026: How to compare lenders accurately](/content/happen-com/resource-center/personal-loan/how-to-compare-lenders-accurately/index.html): 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. (1,469 words) - [Document](/content/ir-happen-com/static-files/5c585344-d944-406f-ba7e-9d38edbe85d8/index.html) (283 words) - [Contact Us | Merchant Financing Solutions ](/content/happen-com/company/contact/financing-solution-merchant/index.html): Contact Us | Merchant Financing Solutions (356 words) - [Document](/content/ir-happen-com/static-files/ebabde06-346f-463b-892f-742263281b5b/index.html) (129 words) - [LendingClub Reports Third Quarter 2025 Results | Wed, 10/22/2025 - 08:00](/content/ir-happen-com/news-releases/news-release-details/lendingclub-reports-third-quarter-2025-results/index.html): Delivered record Pre-tax Income   of $57 million, 12.4% ROE and 13.2% ROTCE Grew Originations +37%, Revenue +32%, and Diluted EPS +185% compared to prior year Secured an MOU by which funds and accounts managed by BlackRock (NYSE: BLK) investment advisors will invest up to $1 billion through (4,959 words) - [LendingClub Reports Second Quarter 2025 Results | Tue, 07/29/2025 - 08:00](/content/ir-happen-com/news-releases/news-release-details/lendingclub-reports-second-quarter-2025-results/index.html): Grew Originations +32%, Revenue +33%, and Net Income +156% Compared to Prior Year Revenue growth combined with expense discipline delivers 11% ROE and 12% ROTCE Announced up to $3.4 billion loan funding partnership extension with Blue Owl SAN FRANCISCO, July 29, 2025 /PRNewswire/ --  LendingClub (4,963 words) - [Business Deposit Account Agreement](/content/happen-com/legal/deposits/business-deposit-agreement/index.html): Business Deposit Account Agreement (16,712 words) - [Business Online & Mobile Agreement](/content/happen-com/legal/deposits/business-online-agreement/index.html): Business Online & Mobile Agreement (20,356 words) - [What Happened To My Account | Investing | Happen Bank](/content/happen-com/help/investing-faq/what-happened-to-my-account/index.html): What happened to my account at Happen Bank. Get step-by-step answers in our Investing FAQ help center. (447 words) - [What investors need to know about the personal loan market](/content/happen-com/resource-center/institutional-investing/what-investors-need-to-know-about-the-personal-loan-market.html): The unsecured personal loan market continues to hit record highs, and despite challenging macroeconomic conditions, shows few signs of slowing down. (978 words) - [Contact Us | Institutions and banks](/content/happen-com/company/contact/institutions-and-banks/index.html): Contact Us | Institutions and banks (397 words) - [Contact Us | Investor Relations](/content/happen-com/company/contact/investor-relations/index.html): Contact Us | Investor Relations (351 words) - [Credit Score | LendingClub Glossary](/content/happen-com/glossary/c/credit-score/index.html): {noun} A prediction of your credit behavior, such as how likely you are to repay a loan on time, based on information from your credit reports. (1,067 words) - [Contact Us | Business development](/content/happen-com/company/contact/business-development/index.html): Contact Us | Business development (350 words) - [Happen Bank Resource Center](/content/happen-com/resource-center/personal-finance/index.html): Happen Bank Resource Center (612 words) - [Side Hustle | LendingClub Glossary](/content/happen-com/glossary/s/side-hustle/index.html): {noun} An additional job, business, or employment opportunity outside of a regular, full-time job that provides supplemental income. (910 words) - [Contact Us | Save with Happen Bank](/content/happen-com/company/contact/business-loans/index.html): Contact Us | Save with Happen Bank (296 words) - [Quarterly Results | Happen, Inc.](/content/ir-happen-com/financial-information/quarterly-results/index.html): View information related to Happen, Inc.’s quarterly earnings releases. (224 words) - [Why is the bank’s website address changing?](/content/happen-com/help/general-faq/why-bank-website-address-changing/index.html): The truth is we outgrew our name. (182 words) - [Contact Us | Auto refinance loans](/content/happen-com/company/contact/auto-refinancing/index.html): Contact Us | Auto refinance loans (380 words) - [Installment Loan | LendingClub Glossary](/content/happen-com/glossary/i/installment-loan/index.html): {noun} A loan for a fixed sum that borrowers pay back over time, with interest plus any fees, through regular payments. (874 words) - [Contact Us | Equipment Finance](/content/happen-com/company/contact/equipment-finance/index.html): Contact Us | Equipment Finance (366 words) - [Contact Happen Bank About Personal Loans | Get Support](/content/happen-com/company/contact/personal-loans/index.html): Contact Us | Personal Loans (456 words) - [What is my routing and account number?](/content/happen-com/help/savings-accounts-and-cds-faq/what-is-my-routing-and-account-number/index.html): Your routing number is 211075086. (260 words) - [MacPac 8.0 Normal template](/content/ir-happen-com/static-files/62569002-5a5a-4aac-a4d4-59932b437b9a/index.html) (2,152 words) - [Revolving Credit | LendingClub Glossary](/content/happen-com/glossary/r/revolving-credit/index.html): {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. (1,035 words) - [Contact Happen Bank About Cleansweep | Get Support](/content/happen-com/company/contact/cleansweep/index.html): Contact Us | CleanSweep (422 words) - [R Letter Terms | Happen Bank Glossary](/content/happen-com/glossary/r/index.html): Happen Bank Glossary (66 words) - [Compensation Committee Charter - As Approved 2016.11.15](/content/ir-happen-com/static-files/22f2ebc6-d65d-4935-b972-47979178b609/index.html) (1,866 words) - [Compensation Committee Charter - As Approved 2016.11.15](/content/ir-happen-com/static-files/818196dd-c43e-4fcb-b85a-c683ae3424e4/index.html) (1,663 words) - [Personal Deposits Account Agreement](/content/happen-com/legal/deposits/personal-deposit-agreement/index.html): Personal Deposits Account Agreement (19,961 words) - [Hard Credit Inquiry | LendingClub Glossary](/content/happen-com/glossary/h/hard-credit-inquiry/index.html): {noun} A request by a lender to a credit bureau to look at your full credit report that will impact your credit score. (965 words) - [How to Get a Small Business Loan in 2024 | Lending Club ](/content/happen-com/impact/company-news/its-official-radius-joins-lendingclub/index.html): To get a small business loan, apply at a bank or online lender. Key requirements include a solid business plan and financial statements. Good credit and collateral may also improve approval chances. (594 words) - [Contact Us | DebtIQ](/content/happen-com/company/contact/debtiq/index.html): Contact Us | DebtIQ (361 words) - [How do I add the new website address to my bookmarks?](/content/happen-com/help/general-faq/add-new-website-address-bookmarks/index.html): If you’re using Google Chrome: Please visit Google Chrome’s support center for more information on editing or creating bookmarks. (192 words) - [FICO Score | LendingClub Glossary](/content/happen-com/glossary/f/fico-score/index.html): {noun} A particular brand of credit score calculated by the Fair Isaac Corporation (FICO). (930 words) - [Credit History | LendingClub Glossary](/content/happen-com/glossary/c/credit-history/index.html): {noun} A record of borrowing and repayment activity over a period of time that reflects your ability to manage and pay your debt obligations. (971 words) - [Contact Us | Commercial Real Estate](/content/happen-com/company/contact/commercial-real-estate/index.html): Contact Us | Commercial Real Estate (59 words) - [Balance Transfer Loans up to $75,000 | Apply Online](/content/happen-com/personal-loan/balance-transfer-loan/index.html): A balance transfer loan is a personal loan that simplifies debt consolidation by letting Happen Bank pay some or all of your creditors for you. (613 words) - [Debt-to-Income (DTI) Ratio | LendingClub Glossary](/content/happen-com/glossary/d/debt-to-income-dti-ratio/index.html): {noun} All monthly debt payments divided by monthly gross income, expressed as a percentage. (774 words) - [Happen Bank Resource Center](/content/happen-com/resource-center/institutional-investing/index.html): Happen Bank Resource Center (118 words) - [News Releases | Happen, Inc.](/content/ir-happen-com/news-events/news-releases/index.html): View Happen, Inc. releases, including company news, investor relations information and more. (511 words) - [Investing FAQ](/content/happen-com/help/investing-faq/index.html): Investing FAQ (86 words) - [Stock Quote & Chart | Happen, Inc.](/content/ir-happen-com/stock-information/stock-quote-chart/index.html): View the stock price and a historical stock chart for Happen, Inc.., chart showing pricing data with tools to compare and analyze data (303 words) - [LendingClub Reports First Quarter 2026 Results | Mon, 04/27/2026 - 16:05](/content/ir-happen-com/news-releases/news-release-details/lendingclub-reports-first-quarter-2026-results/index.html): Strong Performance Across Key Metrics  Delivered Record $67.3 Million Pre-Tax Income,   13.7% ROE, and 14.5% ROTCE Increased Originations +31% and Delivered Diluted EPS of $0.44, + 340% Rebranding to Happen Bank in Summer 2026 SAN FRANCISCO, April 27, 2026 /PRNewswire/ -- LendingClub Corporation (772 words) - [Second Quarter 2024 Earnings Conference Call | Happen, Inc.](/content/ir-happen-com/events/event-details/second-quarter-2024-earnings-conference-call/index.html): Second Quarter 2024 Earnings Conference Call on Tue, 07/30/2024 - 17:00 (16 words) - [Annual Percentage Rate (APR) | LendingClub Glossary](/content/happen-com/glossary/a/annual-percentage-rate-apr/index.html): {noun} The total annual cost to borrow money, including fees, expressed as a percentage. (781 words) - [SBA Loans | Preferred Lender | Happen Bank](/content/happen-com/business-loan/sba-loans/index.html): Happen Bank is a nationwide Preferred SBA Lender. Our team is dedicated to working with small businesses to develop the solutions that are right for your unique needs. (429 words) - [Committee Composition | Happen, Inc.](/content/ir-happen-com/corporate-governance/committee-composition/index.html): View the committee structure and board of director membership for Happen, Inc.. (415 words) - [LendingClub Officially Becomes Happen Bank, Marking a New Chapter for the Digital-First Bank | Mon, 06/22/2026 - 09:05](/content/ir-happen-com/news-releases/news-release-details/lendingclub-officially-becomes-happen-bank-marking-new-chapter.html): Begins trading on Nasdaq under the ticker symbol "HAPN" SAN FRANCISCO, June 22, 2026 /PRNewswire/ -- Happen, Inc. (Nasdaq: HAPN) https://www.multivu.com/lending-club/9384851-en-lendingclub-bank-happen-bank-digital-built-help-people-move-forward (formerly LendingClub Corporation) today announced the (969 words) - [Fixed Interest Rate | LendingClub Glossary](/content/happen-com/glossary/f/fixed-interest-rate/index.html): {noun} An interest rate that remains the same for a set time, usually for the life of the loan. (785 words) - [Microsoft Word - Nominating and Corporate Governance Committee Charter (BHC) - December 2022 (Final)](/content/ir-happen-com/static-files/6268f9b7-fcf4-431a-b603-cf37bedffbe7/index.html) (2,076 words) - [Home Improvement Loans | Get up to $75,000](/content/happen-com/personal-loan/home-improvement-loan/index.html): Home improvement personal loans are a smart alternative to revolving high-interest credit cards and faster than tapping into home equity. (853 words) - [Charge-Off | LendingClub Glossary](/content/happen-com/glossary/c/charge-off/index.html): 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. (837 words) - [Moving Loans | Happen Bank](/content/happen-com/personal-loan/moving-loan/index.html): Moving loans, or relocation loans, are unsecured personal loans that primarily help cover the cost of moving your household, whether it’s across the country or across town. (638 words) - [Consolidate High-Interest Credit Cards](/content/happen-com/personal-loan/credit-card-consolidation-loan/index.html): A credit card consolidation loan lets you roll multiple high-interest credit card debts into a single loan with a fixed rate, term and one monthly payment. (881 words) - [F Letter Terms | Happen Bank Glossary](/content/happen-com/glossary/f/index.html): Happen Bank Glossary (64 words) - [Happen, Inc. Schedules Second Quarter 2026 Earnings Release and Conference Call | Tue, 07/07/2026 - 19:08](/content/ir-happen-com/news-releases/news-release-details/happen-inc-schedules-second-quarter-2026-earnings-release-and.html): SAN FRANCISCO, July 7, 2026 /PRNewswire/ -- Happen, Inc.  (Nasdaq: HAPN) – formerly LendingClub Corporation – announced that it will report earnings for the second quarter of 2026 after the market closes on Monday, July 27. Happen, Inc. will also host a conference call to discuss the results at (422 words) - [Funeral Loans - Apply for Up To $75,000 | Happen Bank](/content/happen-com/personal-loan/funeral-loan/index.html): Faced with making quick decisions about funeral financing, grieving loved ones often turn to variable, high-interest-rate credit cards. (743 words) - [A Letter Terms | Happen Bank Glossary](/content/happen-com/glossary/a/index.html): Happen Bank Glossary (60 words) - [Consolidate Debt with a Personal Loan | Debt Consolidation Lender](/content/happen-com/personal-loan/debt-consolidation/index.html): Named Best Personal Loan for Debt Consolidation by NerdWallet (2025)! Combine multiple balances from credit cards and other high-interest loans into a single loan with a fixed rate and term. (570 words) - [S Letter Terms | Happen Bank Glossary](/content/happen-com/glossary/s/index.html): Happen Bank Glossary (111 words) - [Small Personal Loans | Starting at $1,000](/content/happen-com/personal-loan/small-loans/index.html): A small loan from Happen Bank is a fixed-rate personal loan with a smaller loan amount that can help you get exactly what you need to pay down high-interest debt or cover your expenses now while keeping your monthly payment manageable over time. (781 words) - [LendingClub to Transfer Listing to Nasdaq; New Ticker Symbol "HAPN" to Reflect the Launch of Happen Bank | Tue, 06/02/2026 - 16:05](/content/ir-happen-com/news-releases/news-release-details/lendingclub-transfer-listing-nasdaq-new-ticker-symbol-hapn.html): Expected First Day of Trading on the Nasdaq Stock Exchange on Monday, June 22, 2026   Company to Ring the Nasdaq Opening Bell on Tuesday, June 30, 2026 SAN FRANCISCO, June 2, 2026 /PRNewswire/ -- LendingClub Corporation (NYSE: LC) today announced that it will transfer the listing of its common (723 words) - [Contact Us | Savings & Checking Accounts](/content/happen-com/company/contact/deposits-accounts/index.html): Contact Us | Savings & Checking Accounts (413 words) - [Apply for Business Loans up to $250,000 | Happen Bank & AOF](/content/happen-com/business-loan/aof-loans/index.html): Need funds for your business? We offer loans up to $250,000 for debt consolidation, inventory purchase, equipment purchase, working capital, and more. Apply online in minutes. (314 words) - [H Letter Terms | Happen Bank Glossary](/content/happen-com/glossary/h/index.html): Happen Bank Glossary (110 words) - [I Letter Terms | Happen Bank Glossary](/content/happen-com/glossary/i/index.html): Happen Bank Glossary (109 words) - [Wedding Loans up to $75,000 | Happen Bank](/content/happen-com/personal-loan/wedding-loan/index.html): A wedding loan is a personal loan you can use to help pay for your wedding, honeymoon, and related expenses. (576 words) - [Presentations | Happen, Inc.](/content/ir-happen-com/news-events/presentations/index.html): View Happen, Inc.'s investor presentations. (101 words) - [Events | Happen, Inc.](/content/ir-happen-com/news-events/events/index.html): Stay up to date with Happen, Inc.'s investor events. (175 words) - [D Letter Terms | Happen Bank Glossary](/content/happen-com/glossary/d/index.html): Happen Bank Glossary (61 words) - [C Letter Terms | Happen Bank Glossary](/content/happen-com/glossary/c/index.html): Happen Bank Glossary (12 words) - [Email Alerts | Happen, Inc.](/content/ir-happen-com/ir-resources/email-alerts/index.html): Be the first to know about the latest information from Happen, Inc.. Sign up for investor relations email alerts. (98 words) - [Second Quarter 2026 Earnings Conference Call | Happen, Inc.](/content/ir-happen-com/events/event-details/second-quarter-2026-earnings-conference-call/index.html): Second Quarter 2026 Earnings Conference Call on Mon, 07/27/2026 - 17:00 (23 words) - [ir-happen-com/investor-relations/index.html](/content/ir-happen-com/investor-relations/index.html) (226 words) - [First Quarter 2026 Earnings Conference Call | Happen, Inc.](/content/ir-happen-com/events/event-details/first-quarter-2026-earnings-conference-call/index.html): First Quarter 2026 Earnings Conference Call on Mon, 04/27/2026 - 17:00 (16 words) - [Analyst Coverage | Happen, Inc.](/content/ir-happen-com/stock-information/analyst-coverage/index.html): View a list of analysts following Happen, Inc.. (121 words) - [Drew Labenne, Happen Bank Leadership Team](/content/happen-com/company/leadership/drew-labenne/index.html): Leadership | Drew LaBenne (507 words) - [Auto Refinance FAQ](/content/happen-com/help/auto-refinance-faq/index.html): Auto Refinance FAQ (98 words) - [Janey Whiteside, Happen Bank Leadership Team](/content/happen-com/company/leadership/janey-whiteside/index.html): Leadership | Janey Whiteside (261 words) - [Contact Us | Happen, Inc.](/content/ir-happen-com/ir-resources/contact-ir/index.html): For investor related questions or requests for Happen, Inc., please contact our Investor Relations department. (15 words) - [Faiz Ahmad, Happen Bank Leadership Team](/content/happen-com/company/leadership/faiz-ahmad/index.html): Leadership | Faiz Ahmad (231 words) - [Michael Zeisser, Happen Bank Leadership Team](/content/happen-com/company/leadership/michael-zeisser/index.html): Leadership | Michael Zeisser (215 words) - [Steve Mattics, Happen Bank Leadership Team](/content/happen-com/company/leadership/steve-mattics/index.html): Leadership | Steve Mattics (524 words) - [Leadership | Kathryn S. Reimann](/content/happen-com/company/leadership/kathryn-s-reimann/index.html): Leadership | Kathryn S. Reimann (246 words) - [Allan Landon, Happen Bank Leadership Team](/content/happen-com/company/leadership/allan-landon/index.html): Leadership | Allan Landon (287 words) - [Monica Khurana, Happen Bank Leadership Team](/content/happen-com/company/leadership/monica-khurana/index.html): Leadership | Monica Khurana (224 words) - [Stephen Cutler, Happen Bank Leadership Team](/content/happen-com/company/leadership/stephen-cutler/index.html): Leadership | Stephen Cutler (199 words) - [Erin Selleck, Happen Bank Leadership Team](/content/happen-com/company/leadership/erin-selleck/index.html): Leadership | Erin Selleck (267 words) - [Leadership | Timothy J. Mayopoulos](/content/happen-com/company/leadership/timothy-j-mayopoulos/index.html): Leadership | Timothy J. Mayopoulos (257 words) - [ir-happen-com/static-files/43e281ed-94d0-435e-90b7-ec78a928def7/index.html](/content/ir-happen-com/static-files/43e281ed-94d0-435e-90b7-ec78a928def7/index.html) (6,675 words) - [Terms of Use | Happen Bank](/content/happen-com/legal/terms-of-use/index.html): By accessing or using any Service, including the Site or the H Platform, you signify that you have read, understand and agree to be bound by these terms of use. (5,622 words) - [What is the credit report in DebtIQ?](/content/happen-com/help/debtiq-faq/what-is-the-credit-report-in-debtiq/index.html): DebtIQ uses your TransUnion credit report. (437 words) - [Will using DebtIQ impact my credit score?](/content/happen-com/help/debtiq-faq/will-using-debtiq-impact-my-credit-score/index.html): DebtIQ uses soft inquiries from TransUnion to pull your information, which won't impact your credit score. (288 words) - [What is a personal loan origination fee?](/content/happen-com/resource-center/personal-loan/what-is-a-personal-loan-origination-fee/index.html): A personal loan can help you cover the cost of an emergency, pay for a purchase, or refinance high interest rate debts. (1,011 words) - [What could affect the final amount of cash funds I receive?](/content/happen-com/help/topup-faq/what-could-affect-final-amount-cash-funds-received/index.html): Find out what could affect the final cash funds received at Happen Bank. Get step-by-step answers in our TopUp FAQ help center. (437 words) - [help-happen-com/hc/en-us/articles/360038385312/index.html](/content/help-happen-com/hc/en-us/articles/360038385312/index.html) (671 words) - [DebtIQ FAQ](/content/happen-com/help/debtiq-faq/index.html): DebtIQ FAQ (118 words) - [Home Improvement FAQ - Help | Happen Bank](/content/happen-com/help/home-improvement-faq/index.html): Home Improvement FAQ (387 words) - [Personal Products Terms and Conditions | Happen Bank](/content/happen-com/legal/deposits/personal-products-terms-and-conditions/index.html): Personal Products Terms and Conditions | Happen Bank (2,125 words) - [TopUp FAQ](/content/happen-com/help/topup-faq/index.html): Find all your answers to TopUp, from what you need to apply to monthly payments and account management. We are here to help! (439 words) - [What is debt-to-income ratio? (+ how to improve it)](/content/happen-com/resource-center/personal-loan/what-is-debt-to-income-ratio-how-to-improve-it/index.html): Debt-to-income ratio measures your monthly debt payments against your income. Improve it by paying down debts, increasing income, or avoiding new debt. (1,425 words) - [Understanding your credit score](/content/happen-com/resource-center/personal-finance/how-to-understand-your-credit-score/index.html): Your credit score is a big factor in determining your interest rate and whether you qualify for a loan. By better understanding the key factors that make up your credit score, you can feel more in control. (1,315 words) - [happen-com/patientsolutions/app/payment-calculator/index.html](/content/happen-com/patientsolutions/app/payment-calculator/index.html) (161 words) - [Happen Bank Resource Center](/content/happen-com/resource-center/index.html): Happen Bank Resource Center (1,324 words) - [Welcome to the Happen Bank Help Center](/content/happen-com/help/index.html): Got questions? We have answers, from application to account management FAQs. Check out our robust Help Center before you dial into customer service. (668 words) - [E-Sign Agreement](/content/happen-com/legal/deposits/e-sign/index.html): E-Sign Agreement (344 words) - [Personal Banking | Bank Online with Happen Bank](/content/happen-com/personal-banking/index.html): Unlock the power of personal banking with our comprehensive range of services. Discover seamless online banking, tailored financial solutions, and unrivaled customer support. Open your account today. (1,205 words) - [Consolidation Loan | LendingClub Glossary](/content/happen-com/glossary/c/consolidation-loan/index.html): {noun} A loan used to pay off one or more debt accounts, usually to change interest costs, monthly payment, and/or payment term. (996 words) - [0001409970-26-000131 | 25 | Happen, Inc.](/content/ir-happen-com/sec-filings/sec-filing/25/0001409970-26-000131/index.html): Happen, Inc. Form 25 SEC Filing: Notification filed by National Securities Exchange to report the removal from listing and registration on a national securities exchange (54 words) - [Core Inflation | LendingClub Glossary](/content/happen-com/glossary/c/core-inflation/index.html): {noun} A measure of the long-term trend of the change in the price of consumer goods and services. (800 words) - [Emergency Loans up to $75,000 | Get Funded Fast](/content/happen-com/personal-loan/emergency-loan/index.html): Emergency loans often offer flexibility, allowing you to use the money to address a variety of unexpected expenses. Lock in a fixed rate today and receive funds in as little as 24 hours upon approval. Apply now. (961 words) - [Personal Loans Rates & Fees ](/content/happen-com/personal-loan/rates-fees/index.html): Personal Loans Rates & Fees (1,117 words) - [SEC Filings | Happen, Inc.](/content/ir-happen-com/financial-information/sec-filings/index.html): View financial statements and other formal documents submitted to the U.S. Securities and Exchange Commission (SEC) for Happen, Inc.. (261 words) - [Membership Benefits with Happen Bank](/content/happen-com/member-benefits/index.html): Unlock exclusive rewards, discounts, and products by being a member. Join the Club! (796 words) - [Dov Haselkorn, Happen Bank Leadership Team](/content/happen-com/company/leadership/dov-haselkorn/index.html): Leadership | Dov Haselkorn (226 words) - [Scott Sanborn, Happen Bank Leadership Team](/content/happen-com/company/leadership/scott-sanborn/index.html): Leadership | Scott Sanborn (211 words) - [Jordan Cheng, Happen Bank Leadership Team](/content/happen-com/company/leadership/jordan-cheng/index.html): Leadership | Jordan Cheng (531 words) - [Happen Bank Mobile App | Manage Your Money](/content/happen-com/mobile-app/index.html): Manage your account anywhere with the Happen Bank Mobile app. Download today. Available for Apple and Android. (286 words) - [Invest with the Market Leader | Happen Bank](/content/happen-com/institutional-investing/overview/index.html): With high yields and short durations, personal loans deliver returns banks, credit unions, and asset managers can count on—and accessing them from the industry’s leading provider couldn’t be easier. (1,089 words) - [Help More Borrowers Afford the Care They Need](/content/happen-com/financing-solutions/providers/index.html): Happen Bank Financing Solutions offers quality payment plans to match your high-quality care. (361 words) - [Careers | Job Openings at Happen Bank](/content/happen-com/company/careers/index.html): We’re creating new financial services solutions for our members based on fairness, simplicity, and heart, and we treat our employees the same way. Search for openings and learn what it's like to work at Happen Bank. (778 words) - [Anna Greenwald, Happen Bank Leadership Team](/content/happen-com/company/leadership/anna-greenwald/index.html): Leadership | Anna Greenwald (507 words) - [Mark Elliot, Happen Bank Leadership Team](/content/happen-com/company/leadership/mark-elliot/index.html): Leadership | Mark Elliot (245 words) - [LevelUp High-Yield Savings | Earn 4.00% APY](/content/happen-com/personal-banking/savings/high-yield-savings/index.html): Boost your savings with our free high-interest savings account. Apply in minutes! What are you waiting for? (543 words) - [Member Reviews | Save with Happen Bank](/content/happen-com/company/reviews/index.html): Member Reviews | Save with Happen Bank (594 words) - [Apply for a Personal Loan up to $75,000 | Get Funded Fast](/content/happen-com/personal-loan/index.html): Apply online in minutes and get your money in as little as 24 hours upon approval. Offering personal loans with fixed rates and payment terms that work within your budget. Get started. (748 words) - [Media Center | Company Facts and Press](/content/happen-com/company/media-center/index.html): Media Center (520 words) - [Legal Account Disclosures | Happen Bank](/content/happen-com/legal/deposits/index.html): /legal/deposits (441 words) - [CRA Public File | LendingClub Bank](/content/happen-com/company/cra-file/index.html): CRA Public File | LendingClub Bank (466 words) - [Privacy Preference Center | Happen Bank ](/content/happen-com/legal/privacy-preference-center/index.html): Privacy Preference Center | Happen Bank (576 words) - [About Us | Save with Happen Bank](/content/happen-com/company/about-us/index.html): About Us | Save with Happen Bank (480 words) - [Happen Bank Glossary](/content/happen-com/glossary/index.html): Happen Bank Glossary (79 words) - [Open a bank account online | Happen Bank](/content/happen-com/pd/deposits/index.html): Apply online in minutes. (462 words) - [Business Loans | Flexible Options](/content/happen-com/business-loan/index.html): Happen Bank offers a variety of flexible lending options and will work with your organization to customize the solution that is right for you. (227 words) - [Governance Documents | Happen, Inc.](/content/ir-happen-com/corporate-governance/governance-documents/index.html): Learn more about Happen, Inc.'s corporate governance and view the company's governance documents and committee charters. (119 words) - [Accessibility | Happen Bank Legal Documentation](/content/happen-com/legal/accessibility/index.html): Happen Bank is committed to ensuring that its website is accessible to and usable by all persons, including persons with disabilities. (531 words) - [ Licenses | Happen Bank](/content/happen-com/legal/licenses/index.html): Licenses | Happen Bank (354 words) - [ Subpoenas and Legal Requests | Happen Bank](/content/happen-com/legal/subpoenas/index.html): Subpoenas and Legal Requests | Happen Bank (401 words) - [Types of Personal Loans: Find the Right One for You](/content/happen-com/personal-loan/loan-types/index.html): Achieve your financial goals. Apply for an online personal loan that fits your needs and take control of your finances. (258 words) - [Auto Loan Refinancing | Refinance Your Car Loan](/content/happen-com/auto-refinancing/index.html): Paying off your existing car loan and refinancing it into a new one could help you save money by scoring a lower interest rate. Apply today. (1,021 words) - [Justin Gibson, Happen Bank Leadership Team](/content/happen-com/company/leadership/justin-gibson/index.html): Leadership | Justin Gibson (213 words) - [Meet the Happen Bank Leadership Team](/content/happen-com/company/leadership/index.html): Get to know the Executive Leadership team and Board of Directors at Happen Bank. (306 words) - [Welcome to Happen Bank](/content/happen-com/dynamic-apply/index.html) (163 words) ## About Pages - [Contact Us ](/content/happen-com/company/contact/index.html): Contact Us (424 words) ## Resources - [Full Page Index](/index.html): Browse all cached pages with rich metadata - [About This Cache](/content/about.html): Methodology, technical details, and usage guidelines - [XML Sitemap](/sitemap.xml): Machine-readable sitemap for crawler discovery - [Robots.txt](/robots.txt): Crawler directives