Privacy Preference Center

Privacy Preference Center

When you visit our site, it may store or retrieve information on your browser, mostly in the form of cookies, pixels, and other similar first- and third-party technologies. This information might be about you, your preferences or your device and is mostly used to make the site work as you expect it to, and to provide a more personalized experience.

Review the information below to find out more about these technologies. In particular, please note that Strictly Necessary Cookies, Analytics Cookies and Content Personalization Cookies are always active on our site. You can set your browser to block or alert you about certain of these technologies, but some parts of the site will not then work as intended. For more information on the type of personal information we collect and share, please review our privacy policy at https://www.happen.com/legal/privacy-policy#privacy-policy.

Strictly Necessary Cookies These cookies and site technologies are required for our site to operate, and help monitor, debug, and resolve errors on our site. They are often set in response to actions made by you regarding a request for services, such as setting your privacy preferences, logging in or filling in forms.

Analytics Cookies

These cookies and site technologies count visits and traffic sources so we can measure and improve the performance of our site. They may be set by us or by third-party providers whose services we have added to our pages, and they help us to know which pages are the most and least popular and see how visitors move around the site. They may also record your interactions with our site and help us understand and improve your experience.

Content Personalization Cookies

These cookies and site technologies provide enhanced functionality and personalization. They may be set by us or by third-party providers whose services we have added to our pages, and they help us personalize content.

Targeted Advertising Cookies

These cookies and site technologies may be set on our site by our advertising partners to build a profile of your interests and show you relevant advertisements and optimize marketing on third-party platforms. If you do not consent to these technologies, you may continue to receive less targeted advertisements.

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88 Kearny Street, Suite 600
San Francisco, CA 94108


For Personal Loans, APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of July 06, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $15,262 for a term of 36 months, with an interest rate of 13.99% and a 6% origination fee of $916, for an APR of 18.40%. In this example, the borrower will receive $14,346 and will make 36 monthly payments of $522. Loan amounts range from $1,000 to $75,000 and loan term lengths range from 24 months to 84 months. Some amounts, rates, and term lengths may be unavailable in certain states, and may not be available for all Personal Loan products and/or through all application channels or platforms.

Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history.

Unless otherwise specified, all credit and deposit products are provided by Happen Bank, N.A., Member FDIC, Equal Housing Lender (“Happen Bank”), a wholly-owned subsidiary of Happen, Inc., NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit products are subject to approval, which may include credit approval. 

Our mailing address is: Happen Bank, N.A., 88 Kearny Street, Suite 600, San Francisco, CA 94108. 

“Happen” and the “H” symbol are trademarks of Happen Bank.

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