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How long does it take to get approved for a loan?

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Our process is fast—most members are approved within a few hours.1 The exact turnaround time you’ll see for your application will depend on your unique details. Once you submit your application, we start confirming the information you entered about your identity, employment, and income.

If we need any additional details or documents, we’ll let you know through your To-Do List, so check in on that regularly. You can also sign into your Member Center anytime to check your loan status.

For more details on the loan process as a whole, read How do I get a loan?

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Checking your rate won’t impact your credit score.2
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  • 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. 

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