Glossary

Borrowing $1,500 is often harder – and more expensive per dollar – than borrowing $15,000. Many banks don't offer small personal loans, and the products that fill the gap can cost several times more. Happen Bank personal loans start at $1,000 with APRs from 6.53% to 35.99%.1 Check your rate in seconds with no impact to your credit score.2,4

"Bad credit" is a range, not a verdict. A borrower with a credit score of 620 has meaningfully different options than one with a credit score of 520 – and a personal loan from a bank can still be an option for many borrowers in the fair credit range (580–669). Before you decide anything, check your rate in seconds with no impact to your credit score.1,4 If you're not yet in the qualifying range, credit monitoring tools can help you track the progress that matters most.

A personal loan typically has a fixed APR, fixed term, and fixed monthly payment. The application, verification, and funding increasingly happen digitally – without branch visits or paper forms.

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.

Your car won't start on a Monday morning. The repair estimate is $1,400, and your next paycheck isn't until Friday. The question isn't whether you need money fast – it's which option gets it to you at the most efficient cost.

Today, we are thrilled to announce the completion of our acquisition of Radius Bancorp, Inc. (“Radius”). In February 2020, we announced our intent to acquire Radius and shared how we can grow and deepen our customer relationships with a marketplace bank.

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.

The truth is we outgrew our name.

All investor accounts were closed in stages throughout 2025. The closure process was fully completed by the end of 2025.

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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.