Glossary

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.

A credit card consolidation loan replaces multiple high-interest card balances with a single fixed-rate personal loan – one monthly payment, one interest rate, and a defined payoff date. For borrowers carrying balances at 21.39% APR or higher, the interest savings are often substantial1. The math works for the same term when your consolidation loan APR is lower than your current weighted average card APR and the fixed monthly payment fits your budget.

The best home improvement loan depends on two things: how much equity you have and how quickly you need the funds. Homeowners with significant equity can access lower starting rates through a Home Equity Line of Credit (HELOC) or home equity loan, but closing costs and appraisal fees may narrow that advantage on mid-size projects. An unsecured personal loan requires no equity, no appraisal, and can be funded in days1 – at a fixed rate that won't move over the life of the project. Happen Bank offers eligible applicants a 1% interest rate discount on personal loans used for home improvement.

Both a high-yield savings account (HYSA) and a certificate of deposit (CD) outperform a traditional savings account.

The unsecured personal loan market continues to hit record highs, and despite challenging macroeconomic conditions, shows few signs of slowing down.

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.

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

The truth is we outgrew our name.

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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.