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How Do I Resolve Password Issues?

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To change your password

  1. In the Member Center, go to the Change Password page.

  2. Enter your old password.

  3. Enter and confirm your new password.
    Your new password must be at least eight characters long and include at least one number and one letter.

  4. Click Submit to reset your password.
    We'll redirect you to log in to your account with your new password.

If you've forgotten your password

  1. In the Member Center, go to the Forgot Password page, or click the Forgot password link on the sign-in page.

  2. Enter the email address you used when you opened your account, and then click Submit. We’ll send you an email with a link that allows you to reset your password. (If you no longer have access to that email address, contact us at 855-846-0153 for help.)

  3. In the email, click the Reset Password button. 
    For security reasons, you'll only be able to use the Reset Password button once before it expires. If you aren't able to complete the password reset process the first time, just click the Forgot Password link on the sign-in page again, and we'll send you a new email with a new link.

  4. On the Forgot Password page, enter the personal information we ask for. 
    To protect your account, we ask you to confirm this information before submitting your password.

  5. Enter and confirm your new password.
    Your new password must be at least eight characters long and include at least once number and one letter.

  6. Click Submit to reset your password.
    You'll receive a second email confirming that your password has been updated.

  7. Log into your account with your new password.

If you still have problems logging in, it may be that your account is no longer active. For example, if you check your rate, but don’t accept any of the offers, we may deactivate your account after several months. If this is the case for you, you’ll need to open a new account.

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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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