How do I change my due date?

You have options if you need to change your due date. As long as your account is current, you can make a one-time change to your next payment date—or even permanently move your due date. It's important to note that adjusting your due date can affect how much interest you pay on your account.

Make a one-time date change for your next payment

If you need to delay your next payment, contact us at payments@happen.com or call us at 888-596-4478 at least three days before it's due. Please have your bank information ready to help our team process your request when you call.

Permanently move your due date

You may want to adjust your monthly due date to align better with when you're paid or so that your payment isn't due at the same time as other bills. You can permanently move your payment up to 15 days before or after your original due date. If you've already permanently moved your payment due date once and want to move it again, call us at 844-227-5011.

1. Sign into your Member Center.

2. In the Payment Due Date section, click Change Due Date.

3. Use the menu to select your new monthly due date, then click Continue. (Note: When you choose a new day, we'll calculate and display any differences in the interest for your upcoming payment.)

4. Click Got It.

5. Review your change, then click Confirm Change.

You'll know you're all set when the page says "Success!"

How changing your due date affects interest 

A fixed-rate account accrues interest daily, so changing your due date can affect the total interest you pay. While changing your due date doesn't change your monthly payment amount, moving it to a later date may result in you having to pay an additional amount once your account matures. This additional amount covers any interest accrued because of the change.

Interest is calculated based on when we receive your payment. If you change your payment due date or make a one-time payment on a weekend or holiday, we process your payment on the next business day.

You pay any additional accrued interest at the end of your obligation because your payment date may change more than once during your account's maturity period. Moving your due date earlier may result in you owing less interest.