How do I confirm my income?

less than a minute read

To process your application, we may need to confirm your income matches what was on your application. If this happens, we’ll ask you to submit documents like recent pay stubs or bank statements through your To-Do List. Your employer might also be contacted for more information.

To see what’s left to finish your application:

  1. Sign in to your Member Center.Your To-Do List shows the tasks you must complete before your application can be reviewed.

  2. Submit the documents.The faster you resolve any outstanding to-dos, the faster we can get your application reviewed.

Why do I need to confirm my income?

We create our lending product offers based on a number of factors, including your income and how it relates to your existing amount of debt. So before we can approve and issue credit, we need to confirm that the information is current and accurate.

Keep more of what you earn and earn more on what you save.
Checking your rate won’t impact your credit score.2
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For Personal Loans, APR ranges from 5.96% to 35.99% including origination fee. Most origination fees range from 0% to 8% of the loan amount. Origination fee may be higher for applications submitted through or referred by select partners. APRs and origination fees are determined and disclosed at the time of application. The lowest APR and origination fee 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. Origination fee may be referred to as processing fee for certain products. Advertised rates and origination fees are valid as of November 5, 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. 

“Happen” and the “H” symbol are trademarks of Happen Bank.

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