Happen Bank is the only full-spectrum financial technology (fintech) marketplace bank and the first public US neobank. We offer consumer and commercial loan products for every credit bracket and a full suite of deposit products designed to help you keep more of the money you earn and earn more on what you keep.
We're transforming the banking industry to make it more transparent, efficient, and customer-friendly. For more details, read about Happen Bank’s acquisition of Radius Bank.
How Happen Bank is regulated
All loans are made by Happen Bank, N.A., which operates under federal banking law. Happen Bank is FDIC-insured and is subject to consumer lending regulations, including the Truth in Lending Act, the Equal Credit Opportunity Act, and the Fair Credit Reporting Act.
No application or broker fees
Applying for a Happen Bank loan is absolutely free, and no loan broker or other service is authorized to charge a fee on our behalf. We'll never ask you to pay any type of up-front application fee or other advance payment to apply for a loan.
If someone else asks you for a broker or application fee, please call 888-596-3157 so we can investigate. We’re here Monday – Friday from 5 am – 5 pm, and Saturday from 8 am – 5 pm Pacific Time.
Depending on the type of loan you want, you may pay a fee when your loan is issued. See the articles below to learn more about rates and fees.
Why you pay lower rates
When you apply for a Happen Bank loan, you benefit from an efficient, streamlined process that reduces administrative costs. We pass these savings on to you in the form of a lower annual percentage rate (APR) than the average credit card1 and a faster turnaround time on your loan.
