To apply for a lending product with someone else:
Check your rate at happen.com. In just a few minutes, you can see what the two of you qualify for without affecting your credit score.*
Select "Two of Us." Enter some basic information about you and your co-borrower.
Choose your offer. If the two of you qualify, you'll receive multiple loan offers. There’s no wrong answer—pick the one you both like best.
Complete the full online application. Provide more detailed information about yourself and the person you’re applying with so we can review your application in full.
Confirm your information. Your To-Do List shows what you need to do to finish your application. You may be asked to upload documents to help confirm your identity, income, or employment. The person you’re applying with will need to provide consent and complete other tasks on their own too.
Hold tight! We'll review your application, and the lending product will be funded. You’ll get emails updating you along the way. You can also sign into your Member Center anytime to see the progress on your application.
Receive your loan. Once your loan is approved and funded, it’ll be deposited into your bank account within 4 business days.
The whole application, approval, and funding process can take as little as a week. Even if it takes a little longer, we’ll keep you informed every step of the way.
Is a joint account right for me?
We look at both applicants’ qualifications on joint applications, so it might be a good fit if you’re hoping to qualify for a larger amount or a better rate than either of you might be able to secure on your own.
Plus, co-borrowers are different from co-signers (who typically take responsibility only if the primary borrower can’t pay). When a joint application is approved, you and your co-borrower are equally responsible for repaying the balance, which can be reassuring for larger sums.
Are you and your co-borrower ready? Apply now.
* Checking your rate generates a soft credit inquiry on your credit report, which is visible only to you. A hard credit inquiry, which is visible to you and others, and which may affect your credit score, only appears on your credit report if a credit account is opened in your name. Your annual percentage rate will depend upon your credit score and other key financing characteristics, including but not limited to the amount financed, term length, and your credit usage and history.
