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Refinancing a personal loan can save you money or cost you more than you realize. Here are a few potential mistakes that can trip borrowers up, and how to avoid them.

A lower APR and a longer term can reduce monthly personal loan payments. Here’s how each works.

Refinancing a personal loan can potentially lower your rate or monthly payment, but timing matters. Here’s how to know when it makes sense and when it doesn’t.

Personal loan limits vary by lender and borrower profile. Here’s what determines your maximum loan amount and what to consider before you apply.

Debt consolidation savings depend on the gap between what you pay now and the APR on a consolidation loan. Here’s the principle, the formula, and how to run it for your situation.

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.

After you're approved, you can visit the following link to get started on your online account: https://www.happen.com/auth/enrollment/setup-login.

You can view and manage most of your account information by signing in on the web or using the Happen Bank mobile app, including your password, phone number, physical address, loan documents, payment methods, and two-factor authentication settings.

Contact our team at 833-498-1399.

Personal Banking Customers: Our Elite and Reserve Tier customers can place a wire via Online banking or the Happen Bank Mobile app. For all other customers, they can reach out to Customer Service at 800.242.0272 to initiate a wire. 

The Society for Worldwide Interbank Financial Telecommunication (SWIFT) Code is a unique identification code that may be required by some banks, broker-dealers, and investment managers for the completion of international wire transfers.

{noun} A type of credit that allows the borrower to make charges and payments against a set borrowing limit, paying interest only on outstanding balances.

{noun} The amount of unpaid interest that has accumulated as of a specific date, either on a loan or an interest-bearing account or investment. 

{noun} The total annual cost to borrow money, including fees, expressed as a percentage.

A debt that is written off as a loss because the financial institution or creditor believes it is no longer collectible due to a substantial period of nonpayment.

{noun} An interest rate that remains the same for a set time, usually for the life of the loan.