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How do I resolve issues when entering creditors for balance transfer payments?

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If you're having trouble entering your creditors for your balance transfer payment, we have a few tips that may help get you back on track:

  • Try using a different internet browser. Many of our customers find it easier to use Google Chrome. 

  • If you’ve had difficulties using a mobile device,use a desktop computer.

  • Make sure you enter the name of the bank that issues your credit card—not the name on the front of the card.(For example, a "Southwest Airlines" rewards card is issued by Chase Bank. You'd want to enter "Chase"—not "Southwest.") 

  • Check that the creditor’s address you enter matches the one on your most recent credit card or loan statement.  

  • On the creditor selection page, choose the entry that most closely matches the address your billing statement has under “Mail payments to.” For credit cards, a close match is usually fine, but direct loans often require an exact match.

If you try all those things and still have trouble, feel free to call us at 888-596-3157. We're here Monday through Friday from 5 am to 5 pm, and Saturday from 8 am to 5 pm Pacific Time. We’ll be happy to help!


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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. 

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