How do I pay off my loan?

If you're ready to pay off your loan, congratulations! That’s a big financial step.

You can make the last payment right from your Member Center. The payoff amount includes both your remaining principal balance and interest. Once you pay off your loan, you won’t owe any additional interest and your monthly payments will end. Keep in mind, it may take up to four business days to fully process your payoff and it can take up to 60 days for it to show on your credit report.

Pay online

1. Sign into your Member Center.

2. Click Make an Extra Payment in the Upcoming Payments section.

3. Click Pay Off Your Loan.

4. Click Pay Online Now.
   The review page shows your payoff amount, payment date, and the last four digits of your bank account.

5. Click Pay Now to confirm your payment.

That’s it! You’re all set.

Please keep in mind that the amount you see on the homepage of your account does not include the interest accrued since your last payment. To pay off your loan, follow the instructions above or get your total payoff amount by calling 855-408-1375 or sending an email to payments@happen.com.

Pay by phone

You can also make your last payment by calling us at 855-408-1375. We’re happy to help! Please have your bank account information ready when you call.

Pay by check

Make your check payable to "Happen Bank" and write your loan ID and name (if it's not on your check) on the memo line. For example:

Mail your check to one of these addresses:

• For standard mail (USPS)
  Happen Bank
  Lockbox Services - 134268
  P.O. BOX 884268
  Los Angeles, CA 90088-4268

If your check arrives by 4 pm MT (Mountain Time), it will be processed the same day. Checks received after 4 pm will be processed the next business day.