Happen Bank logohappen-formerly-lc-mobile

Banking that
clears the way.

Keep more of what you earn.
Earn more on what you save.¹

Get a Personal LoanOpen a Bank Account
Checking your rate won't impact your credit score.²
Slide 1 of 4: Pay down your debt

Pay down your debt

APRs as low as 6.53%³

Check My Rate

Cover a large expense

Loans Up to $75,000

Check My Rate

Earn more on what you save

Earn 4.00% APY⁴ with $250+ in deposits

Open an Account

Lower your car payment

Save up to $2,500⁵

Check My Rate
Respond to Mail Offer

Clearing the way for
over 5 million members.Clearing the way
for over 5 million
members.

5M+
Members served
nationwide
$100B+
borrowed
4.7
TrustPilotscore,
based on 13K+ reviews
4.8
stars on the Apple
App Store
NerdwalletAwardsBankrate

Earn more on
what you save.

Earn 10x the national average6 with no minimum balance with a LevelUp Savings account.

Start Saving

Products that
work together to
clear the way.

Products that work together to clear the way.

Fast and easy

  • Apply for a personal loan in minutes

  • Get an offer in seconds9—and funding in as little as 24 hours10

  • Manage your loans and savings in one simple app11

Rewards your progress

  • Pay down credit card debt directly and save up to 8% on your APR7

  • Earn 2% cash back with on time personal loan payments8

  • Save monthly and get rewarded with a higher rate on a LevelUp Savings account4

Banking that adds up

  • Get personal loan rates up to 17% lower than the average credit card APR12

  • Earn up to 10X the national average on your savings6

  • Earn 1% cash back on everyday debit purchases13

Fast and easy

  • Apply for a personal loan in minutes

  • Get an offer in seconds9—and funding in as little as 24 hours10

  • Manage your loans and savings in one simple app11

Rewards your progress

  • Pay down credit card debt directly and save up to 8% on your APR7

  • Earn 2% cash back with on time personal loan payments8

  • Save monthly and get rewarded with a higher rate on a LevelUp Savings account4

Banking that adds up

  • Get personal loan rates up to 17% lower than the average credit card APR12

  • Earn up to 10X the national average on your savings6

  • Earn 1% cash back on everyday debit purchases13

What our members are saying.14

“Super easy to use and helped me get a better handle on my finances. Everything’s in one place now, which makes managing my money so much easier.”

-Amanda W.

Read More Reviews
testimonial-home

More ways we make it happen.

DebtIQ icon

DebtIQ

One dashboard. All your linked credit cards, transactions, and balances — build a plan with confidence.15
TopUp Loan icon

TopUp Loan

Access additional funds and still keep one monthly payment when you refinance an existing Happen Personal Loan.16
Application icon

Faster Application Process

Streamlined personal loan application in minutes.
Calendar icon

Early Payday

Get your paycheck up to 2 days earlier with direct deposit to your LevelUp Checking account.17
Chart icon

Personalized Offers

Product suggestions to move you forward.
Explore Benefits

Clearing the way for what’s next.

Low rates, more savings, and tools to help you move forward.

Get a Personal LoanExplore Banking
4.8QR Code7K+ App Store Reviews
Apple App Store IconGoogle Play Store Icon
iPhone 14 Pro Perspective Mockup copy 1
new lc logo

88 Kearny Street, Suite 600
San Francisco, CA 94108

© 2017-2026 and TM, NerdWallet, Inc. All Rights Reserved.

  • 1Savings are not guaranteed and depend upon various factors, including but not limited to interest rates, fees, term length, and making payments as agreed.

  • 2Checking a rate through us generates a soft inquiry on a person’s credit report, which does not impact that person’s credit score. A hard credit inquiry, which may affect that person’s credit score, only appears on the person’s credit report if and when a loan is issued to the person.

  • 3For 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 April 27, 2026, are subject to change without notice, and/or through all application channels or platforms.

  • 4Accounts subject to approval, which may include credit approval. No minimum opening deposit required. Please see Product Terms & Conditions for additional product details. Visit our Help Center for additional information. LevelUp Rate of 4.00% Annual Percentage Yield (“APY”) is accurate as of 06/22/2026. Standard Rate of 3.00% APY accurate as of 06/22/2026. Rates are variable and subject to change at any time without notice, at the sole discretion of the bank.
    LevelUp Rate is applied to the full balance of LevelUp Savings accounts that receive a total of at least $250 in deposits during the Evaluation Period. Otherwise, accounts will earn the Standard Rate. Interest payments, account bonuses, account credits and reversals or refunds from the bank are not considered deposits for rate evaluation purposes. All LevelUp Savings accounts earn the LevelUp Rate at account opening and continue to earn the LevelUp Rate until the First Evaluation Period, to provide an opportunity to set up deposits. While accounts will not move from the LevelUp Rate prior to the First Evaluation Period, the LevelUp Rate is variable and subject to change at any time, including prior to the First Evaluation Period.
    An Evaluation Period is a statement cycle. The First Evaluation Period will be the third statement cycle after you open your account, with any rate change becoming effective the next statement cycle. For example, if you open in August, the first Evaluation Period would be October with any rate change effective in November. Any rate changes will take place at the end of the first business day of the month and will be based on deposits in the previous statement cycle.

  • 5Based on the average experience of borrowers who refinanced their existing auto loans (“Original Auto Loans”) with Auto Refinancing Loans from Happen Bank (“Auto Refi Loans”) between October 2025 and March 2026. For this period, the average estimated remaining interest charges of Original Auto Loans was $7,963, and the average potential interest charges of corresponding Auto Refi Loans obtained by borrowers was $5,388, which represents a reduction in potential interest charges of $2,575. This reduction reflects the terms of Auto Refi Loans actually obtained by borrowers, not the terms of Auto Refi Loans offered to but not selected by borrowers. Reductions in potential interest charges are determined based on (a) our understanding of the APRs of Original Auto Loans, and (b) the corresponding APRs of Auto Refi Loans obtained by borrowers. Claims related to reductions in potential interest charges assume that Auto Refi Loans will be paid as agreed, and are for illustrative purposes only. They do not directly relate to any estimated APRs, monthly payment amounts, or savings amounts communicated to you in connection with a specific Auto Refi Loan that we may advertise to you or that you may obtain from us. Depending on the state where you live, tax, title and other fees may apply, which could impact your total savings.

  • 6National average source: FDIC as of 12/11/2025.

  • 7The APR discounted rate is a discount that some customers may receive for taking out a loan to pay down existing qualifying debt paid directly by Happen Bank; such rate is discounted from the rate given for taking a full cash loan. Not all applicants will qualify for the discount. Any actual discount rate will be determined at the time of application. The best APR discounts may be available to borrowers with excellent credit. Advertised discounted rates are subject to change without notice.

  • 8Loan Payment Cash Back provides the opportunity to earn 2% cash back for Qualifying Payments made electronically from an Eligible Account.
    Eligible Accounts are: LevelUp Checking accounts that:

    ① Receive a Direct Deposit into your LevelUp Checking account during the month in review (an “Eligible Account”); and

    ② Meet the qualifying requirements for the Debit Card Cash Back and/or Loan Payment Cash Back

    Qualifying Payments are: Payments made on-time from an Eligible Account in the amount of the monthly payment amount. Payments must be made electronically. Any payment received after the due date or amounts in excess of the monthly payment amount are not eligible for cash back.
    Payments made to Happen Bank Auto Loans, revolving purchase finance loans and CleanSweep do not qualify for cash back.

  • 9Between 1/1/2026 and 1/31/2026, 68% of Happen Bank Personal Loans offers were generated in under a minute from the beginning of the application process.

  • 10Between January 2026 to March 2026, 64% of Happen Bank Personal Loans that were approved for funding (which is after your loan application is approved) on a given business day were disbursed within 24 hours. Actual availability of funds may vary and is dependent on multiple factors, including, but not limited to your receiving bank's processing times and policies. A business day is defined as Monday through Friday and excludes the weekend and bank holidays.

  • 11Standard data and message rates may apply to Mobile Banking services. This includes the use of Happen Bank Mobile, Happen Bank Commercial, and other services. Android is a trademark of Google LLC. iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries.

  • 12Between January 2026 and March 2026, on average, the APR for a Happen Bank Personal Loan was 17.32% with an origination fee of 6% and a principal amount of $48,925 for loans with term lengths of 36 months, based on current credit criteria and an analysis of historical borrower data. Between January 2026 and March 2026, the average APR for credit cards was 20.97%, according to publicly available information published by Federal Reserve  https://www.federalreserve.gov/releases/g19/current/. If a borrower pays off a credit card balance of $45,990 with an APR of 20.97% over 36 equal monthly payments, the borrower will pay $22,332 in total finance charges. If the borrower obtains a Personal Loan with a term of 36 months and an amount financed of $48,925 (principal amount of $45,990 with an origination fee of $2,936 at 17.32% APR, the borrower’s monthly payment will be $1349 and the borrower will pay $18,763 in total finance charges over the term of the loan, a savings of $3,569 as compared to the average credit card finance charges over the same 36-month term for Happen Bank Personal Loan borrowers with average credit scores.

  • 13Debit Card Cash Back provides the opportunity to earn 1% cash-back on purchases from Eligible Categories when using a debit card tied to an Eligible Account.
Eligible Accounts are: LevelUp Checking accounts that: 1) Receive a Direct Deposit into your LevelUp Checking account during the month in review; and 2) Meet the qualifying requirements for the Debit Card Cash Back and/or Loan Payment Cash Back.

    Eligible Categories include grocery, gas, and pharmacy, as defined by their Merchant Category Code (“MCC”).
The following purchases are not eligible to receive cash back: 1) any goods or services purchased that are returned or otherwise credited to your Eligible Account; 2) unlawful purchases; or 3) purchases of currency, cash or cash equivalents (including, without limitation, gift cards, prepaid debit cards, or other cash equivalents).
    Accounts are reviewed after the end of each month. Any earned cash back will be credited directly to your Eligible Account on or before the 5th business day of the next calendar month. The Eligible Account must be open and active at the time the cash back is credited. For more details, please review our LevelUp Checking Terms & Conditions.

  • 14Based on reviews collected by Trustpilot. All such reviews can be accessed at trustpilot.com/review/happen.com. This is one person's experience. Individual results may vary.

  • 15DebtIQ is a service provided by Happen Bank, N.A and is only available to Happen Bank Members through the Happen Bank App.

  • 16A minimum cash out amount to your TopUp loan is required as shown at the time of making your application for credit. The additional cash amount you receive is an estimate and subject to final adjustments upon approval.

  • 17Any account features that enable you to receive direct deposits, or that enable direct deposit funds to be made available to you early, are contingent upon and subject to the payor’s support of such features. 

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $27,198 for a term of 36 months, with an interest rate of 14.49% and a 6% origination fee of $1,632, for an APR of 17.32%. In this example, the borrower will receive $25,566 and will make 36 monthly payments of $936. 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.

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.

© 2026 Happen Bank. All rights reserved.

Equal Housing LenderMember FDIC