How do I upload documents?

2 min read

Once you submit your application, we may ask you for additional paperwork to verify your information.

Check out your To-Do List to see if we've requested that you send us any documents. If we have, the fastest and easiest way to submit them is to upload them right into your account. Here’s how to do that:

Uploading from your computer

To upload documents from your computer:

  1. Scan or take a picture of the document, and save it on your computer.

  2. Double-check that the image is clear, legible, and includes the whole page.

  3. Sign in to your Member Center.

  4. In your To-Do List, click the document you want to upload.

  5. Click Choose files to select the file you want to upload or drag and drop the file from your computer.

  6. If you want to submit additional pages or documents, simply click Choose files or drag and drop the other files from your computer instead. You can upload up to 20 separate files for each document type.

Uploading from a mobile device

To upload documents from your mobile device:

  1. Sign in to your Member Center.

  2. In your To-Do List, tap the document you want to upload.

  3. Tap the + icon at the bottom of the screen.

  4. Upload the document by taking a photo, selecting an image from your photo library, or browsing for the file.

  5. If you want to submit additional pages or documents, tap Upload another.You can upload up to 20 separate files for each document.

Faxing documents

To fax documents call us toll-free: 888-596-3157 for information

Monday – Friday: 5am – 5pm PT

Saturday: 8am – 5pm PT

Tips on uploading

Follow these tips to make sure your documents are ready for review:

  • The file is 8 megabytes (MB) or smaller.

  • The file type is GIF, JPG, PDF, PNG, or TIFF.

  • The document is clear, legible, and not cut off.

  • Photos show the document at a readable size and have a dark, contrasting background.

  • Your name is on the document.

  • It shows an address that matches the address you provided on your application, if relevant.

  • The document is current—not expired.

  • All pages are included (yes, even those blank pages at the end!).

Confirming we received your documents

When we receive your documents, the status in your To-Do List will reflect that we have them. We get notified automatically and will start reviewing them. We’ll be in touch if we need anything else.

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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. 

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