Why don't I have tax forms posted to my account?

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You may not receive a 1099 consolidated tax statement for the previous tax year for a few reasons, depending on certain account activities or account types.

Account activity

You won’t receive a 1099 consolidated tax statement if all of the following conditions are true:

  • You received less than $10 in net interest payments on your total portfolio.

  • You received less than $600 in incentive, bonus, or other miscellaneous payments from Happen Bank.

  • You didn’t hold any Notes tied to loans charged off in the previous tax year, or you didn’t receive recoveries or net proceeds on Notes tied to charged-off loans or transfers.

Account type

You won’t receive a 1099 consolidated tax statement if your account is:

  • Tax-deferred (for example, an IRA)

  • A registered C-corporation

  • A registered tax-exempt organization

  • Any other type of entity for which Happen Bank is not required to provide tax information

If you believe you should have received tax forms for the previous tax year based on the information above, please email tax@happen.com.

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88 Kearny Street, Suite 600
San Francisco, CA 94108


For Personal Loans, APR ranges from 5.96% APR to 35.99% 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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