Happen Bank logoLC Logo

How do I make additional payments?

less than a minute read

We apply any one-time payments directly to your principal balance, reducing the total cost of financing. You can also fully prepay at any time. If you choose to pay off your account early, you won’t owe any additional interest and your monthly payments will end. There are three easy ways to make additional payments:

  1. Easiest and fastest: Contact us at 855-846-0153 with the following information:

  • Your loan number

  • Payment amount

  • Date of payment

2. Mail a check with your loan number via standard mail to the following address. (Don't forget to write your loan number on your check):

Happen, Inc.
P.O. Box 884268
Los Angeles, CA 90088-4268

Send a check via overnight delivery to the following address: (Don't forget to write your loan number on your check.)

Lockbox Services - #0134268
Happen, Inc.
3440 Flair Dr.
El Monte, CA 91731


Happen Bank Resources

Related Articles
A small business loan can help you get the cash you need to grow your business. Getting a business loan can sometimes be tricky, especially if you’re a new business owner.
Jun 23, 2024
6 min read
Man in business attire with glasses staring at camera
Some small businesses seem to thrive no matter what the economy is doing. What’s their secret? Here are a few business ideas to consider and tips to help you bake some resiliency into your venture.
Aug 15, 2023
6 min read
Asian man wearing blue apron looking out shop doorway with sign showing open for business in window
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.
Jul 12, 2026
7 min read
Blog DIYHome Header
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.
Jul 12, 2026
9 min read
Woman considers how many credit cards she should have.
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.
Jul 12, 2026
11 min read
11
Related Impact
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.
Jan 30, 2021
2 min read
Radius Officially Joins LendingClub
Related FAQ's
How Do I Make Changes to My Payment Date?
Jun 7, 2023
less than a minute read
If you're ready to pay off your loan, congratulations! That's a big achievement. Once you pay off your loan, you won’t owe any additional interest and your monthly payments will end.
Jun 7, 2023
less than a minute read
You can partially or fully prepay your loan at any time with absolutely no prepayment penalty or fee.
Jun 7, 2023
less than a minute read
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.
Jul 12, 2026
less than a minute read
If you’re using Google Chrome: Please visit Google Chrome’s support center for more information on editing or creating bookmarks.
Jun 21, 2026
less than a minute read
Related Glossary
{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.
Sep 6, 2023
4 min read
{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. 
Mar 21, 2023
4 min read
{noun} The total annual cost to borrow money, including fees, expressed as a percentage.
Mar 21, 2023
3 min read
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.
Feb 7, 2023
3 min read
{noun} An interest rate that remains the same for a set time, usually for the life of the loan.
Feb 4, 2023
3 min read

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.

© 2026 Happen Bank. All rights reserved.

Equal Housing LenderMember FDIC