Happen Bank logoLC Logo

Privacy and Security

2 min read

We take the privacy and security of our members, investors, and partners seriously. Here are some answers to frequently asked questions about Happen Bank’s privacy policies.

Where can I find Happen Bank’s privacy policy?

You can view our Privacy Policy or download a copy from our website.

Does Happen Bank share my personal information?

Our Privacy Policy provides information about our data-sharing practices, including reasons we can share your personal information, whether we share, and if you can limit sharing.

How do I opt out of marketing and promotional emails?

To opt out of marketing and promotional emails, click the unsubscribe link at the bottom of any email you receive from us. See our Privacy Policy for more details.

Does Happen Bank delete my personal information after my account is closed?

Consistent with state and federal laws, we retain account information, including applications and partial applications, for a period of time. All financial service companies must meet certain retention requirements. See our Privacy Policy for more details.

Does Happen Bank sell my personal information as defined by the California Consumer Privacy Act (CCPA)?

We don’t sell personal information as defined by the CCPA. See our Privacy Policy for more details.

How do I exercise my “right to know” or “right to delete” under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA)?

Our Privacy Policy has a section titled “Your California Privacy Rights.” This section provides details about your rights as a California consumer and how you can exercise them, as well as a link to our online privacy portal where you can submit a request form.

How does Happen Bank protect my personal and financial information?

We maintain a security program to keep your information safe. Our security measures comply with federal law and are designed to meet or exceed industry standards for financial institutions.

Is Happen Bank’s website secure and encrypted?

Every page of our website is secure and encrypted with Transport Layer Security (TLS)* to protect your personal and financial information over the internet. You'll see the HTTPS protocol with the corresponding lock icon in your internet browser’s address bar when you're on our site.

Where can I obtain a copy of Happen Bank’s work-related privacy disclosure for employees, contractors, and job applicants?

A link to our work-related privacy disclosure for employees, contracts, and job applicants is provided in our Privacy Policy.


* Sometimes referred to as Secure Sockets Layer (SSL)/TLS

Happen Bank Resources

Related Articles
Borrowing $1,500 is often harder – and more expensive per dollar – than borrowing $15,000. Many banks don't offer small personal loans, and the products that fill the gap can cost several times more. Happen Bank personal loans start at $1,000 with APRs from 6.53% to 35.99%.1 Check your rate in seconds with no impact to your credit score.2,4
Jul 29, 2026
7 min read
woman holding open her wallet full of credit cards
"Bad credit" is a range, not a verdict. A borrower with a credit score of 620 has meaningfully different options than one with a credit score of 520 – and a personal loan from a bank can still be an option for many borrowers in the fair credit range (580–669). Before you decide anything, check your rate in seconds with no impact to your credit score.1,4 If you're not yet in the qualifying range, credit monitoring tools can help you track the progress that matters most.
Jul 29, 2026
8 min read
Blog CreditScore header
A personal loan typically has a fixed APR, fixed term, and fixed monthly payment. The application, verification, and funding increasingly happen digitally – without branch visits or paper forms.
Jul 22, 2026
6 min read
Online & Mobile Banking
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.
Jul 22, 2026
8 min read
personal-loans-hero
Your car won't start on a Monday morning. The repair estimate is $1,400, and your next paycheck isn't until Friday. The question isn't whether you need money fast – it's which option gets it to you at the most efficient cost.
Jul 22, 2026
8 min read
A woman on the side of the road with a car, looking under the hood. Cover unexpected emergencies with a personal loan.
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
Phishing is an attempt to steal your personal and financial information, perpetrated by bad actors posing as a trusted company or individual, to lure you into clicking a malicious link or providing sensitive information over the phone.
Feb 18, 2026
2 min read
Happen Bank is the only full-spectrum financial technology (fintech) marketplace bank and the first public US neobank.
Jun 7, 2023
less than a minute read
On February 1, 2021, Happen Bank, N.A., closed the acquisition of Radius Bancorp and its wholly-owned subsidiary, Radius Bank, becoming the only full-spectrum financial technology (fintech) marketplace bank and the first public U.S. neobank.
Jun 7, 2023
2 min 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

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.

© 2026 Happen Bank. All rights reserved.

Equal Housing LenderMember FDIC