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Frequently Asked Questions

How do I manage my loan account?

You can view and change most of your account information right from your Member Center, including your password, phone number, physical address, and email address ...

    How do I make early or extra payments?

    You can make a one-time payment from your Member Center, by check, or over the phone ...

      How do I change my due date?

      You have options if you need to change your due date. As long as your account is current, you can make a one-time change to your next payment date...

        How do I get started with Online Banking?

        With Online Banking, you can get 24/7 access to your account. To enroll, click here. ...

          How do I link an external account?

          Depending on the linking option you have selected, it may be necessary for two (2) micro deposits to be made into the external account...

            How can I set up a direct deposit?

            Set up a direct deposit into your account, and you could be eligible to receive your money up to 2 days earlier.

              What is auto refinance?

              Looking for a lower monthly car loan payment? Refinancing your car loan with Happen Bank could lower your monthly car payments...

                What are the rates and fees for auto refinance loans?

                Rates and fees for your auto refinance loan depend on several factors, like your credit history and income. ...

                  How do I refinance my car loan?

                  It’s fast and simple to refinance your car loan with LendingClub Bank. If your car loan’s remaining balance is between $5,000 and $55,000 ...

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                    88 Kearny Street, Suite 600
                    San Francisco, CA 94108

                    For Personal Loans, APR ranges from 5.96% to 35.99% including origination fee. Most origination fees range from 0% to 8% of the loan amount. Origination fee may be higher for applications submitted through or referred by select partners. APRs and origination fees are determined and disclosed at the time of application. The lowest APR and origination fee 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. Origination fee may be referred to as processing fee for certain products. Advertised rates and origination fees are valid as of November 5, 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 products are provided by Happen Bank, N.A., 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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