Help more people afford the treatments they need

Happen Bank offers quality payment plans to match your high-quality service.

Simple financing for you and your consumers

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Get paid upfront

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Easy setup for your business

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Clear terms and no hidden fees

Specialties we cover

Dentistry

Give your patients another reason to smile.

Fertility

Make financing fertility care easy for your patients

Hair Restoration

Show your clients how affordable hair restoration can be

Weight Loss Surgery

Help patients make their goals a reality

Elective Medical

Give patients access to the cosmetic treatments they want most

Ophthalmology

Offer a clear path to a better vision

A financing partner to fit your needs

Loan amounts from $500 to $65,000 from 6 to 144 months

Attractive APRs as low as 3.99% and up to 30.99% with 0% financing also available

Competitive administrative fees

Easy online application process for consumers

Online dashboard with tools & resources

We'll send the funds directly to you within 1-3 business days of receiving the signed agreement

See Payment Plan Options

Partners love us

“We’ve been able to save patients time and money and therefore, creating higher treatment plan acceptance. Now, that’s a win-win!”

—K.N. Office Manager, North Carolina

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Do you have more questions?

Check out our FAQ center

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88 Kearny Street, Suite 600
San Francisco, CA 94108

1. A soft inquiry which is used to check your eligibility will not affect your 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 an installment loan is issued to the person.

A representative example of payment terms is as follows: a borrower receives a loan of $15,000 for a term of 60 months with an APR of 12.99%. In this example, the borrower will make 60 monthly payments of $341.22. Loan amounts range from $500 to $65,000, and loan term lengths range from 6 months to 144 months. Some amounts, rates, and term lengths may be unavailable in certain states or with certain goods or service providers.

For Installment Loans, APR ranges from 0 to 30.99%. APRs 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 15, 2026 and are subject to change without notice.

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, as well as the selected goods or service provider.

Based 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.

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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