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How does the $250 Account Credit Promotion work?

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Eligible new customers who receive this promotional offer can earn a $250 account credit to their loan’s principal balance after they:

  1. Apply during the promotional period.

  2. Accept and fund a personal loan of $10,000 or more.

  3. Make their first scheduled payment on time and in full.

Once these requirements are met, the $250 account credit will be applied to the principal balance of your loan within 30 calendar days after your first payment is on time and paid in full.

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Related FAQ's
When does the $250 Account Credit promotion start and end?
Complete the loan application through the provided offer link by July 16, 2026.
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Jun 7, 2023
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Who is eligible for this promotion?
This offer is available to new borrowers who receive this offer and complete the loan application through the provided offer link by July 16, 2026.
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Jun 7, 2023
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Can I use the $250 credit for a payment?
No. You still have to make your monthly payment.
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Jun 7, 2023
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What if I submit more than one application?
Only the first qualifying funded loan associated with an eligible promotional offer can receive the account credit.
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Jun 7, 2023
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Will I receive $250 in my bank account?
No. This promotion doesn’t provide cash or a deposit into your checking or savings account.
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Jun 7, 2023
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Related Glossary
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{noun} The total annual cost to borrow money, including fees, expressed as a percentage.
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A debt that is written off as a loss because the financial institution or creditor believes it is no longer collectible due to a substantial period of nonpayment.
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Fixed Interest Rate
{noun} An interest rate that remains the same for a set time, usually for the life of the loan.
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88 Kearny Street, Suite 600
San Francisco, CA 94108

  • 1Between January 2026 to March 2026, 64% of Happen Personal Loans that were approved for funding (which is after your loan application is approved) on a given business day were disbursed within 24 hours. Actual availability of funds may vary and is dependent on multiple factors, including, but not limited to your receiving bank’s processing times and policies. A business day is defined as Monday through Friday and excludes the weekend and bank holidays.

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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