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How do I pay off my business loan?

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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.

Please call 855-846-0153 to schedule the payoff details based on the day you want to pay off your loan and how you’ll send the payment. The simplest way to pay off your loan is through an ACH transfer from your linked bank account to Happen Bank.

If you prefer to pay by check, you can send us your check payment either by postal or courier mail. We’ll give you a payoff amount that is valid for the next 14 days, giving time for your check to reach us. If we receive and apply your payment before that time, we’ll refund you the difference.


Standard mail

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


Courier or overnight delivery

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

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For Personal Loans, APR ranges from 5.96% APR to 35.96% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR 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. Advertised rates and fees are valid as of July 06, 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 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.

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Equal Housing LenderMember FDIC