Any US citizen or permanent resident over 18 years old can apply. You must have a Social Security number, a U.S. address (including APO/FPO addresses), and a valid government-issued photo ID.
Who can apply for home improvement financing?
Last Updated March 11, 2026less than a minute read
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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.
Related FAQ's
There are two ways to check if the business providing your treatment, goods, or services offers Happen Bank financing.
You can see which plans you pre-qualify for in seconds. Complete the pre-qualification form and select See Available Rates. If payment plans are available, you can review and select the one that works best with your budget.
Financing up to $65,000 is available to cover a wide range of products and services. Plan options depend on the business vertical, the type of financing you request, and your individual credit profile.
There are two ways to check if the business providing your treatment, goods, or services offers Happen Bank financing.
Home improvement loans are offered at point-of-sale through participating merchants and are used to pay for a specific service or project.
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.
{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.
{noun} The total annual cost to borrow money, including fees, expressed as a percentage.
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.
{noun} An interest rate that remains the same for a set time, usually for the life of the loan.
