What if I submit more than one application?

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Only the first qualifying funded loan associated with an eligible promotional offer can receive the account credit. Submitting multiple applications doesn’t result in multiple rewards.

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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Related FAQ's
Eligible new customers who receive this promotional offer can earn a $250 account credit to their loan’s principal balance.
Jun 7, 2023
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Existing members, including those with an active or previous LendingClub or Happen Bank personal loan or another eligible LendingClub or Happen Bank product, aren't eligible for this promotion.
Jun 7, 2023
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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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Complete the loan application through the provided offer link by July 16, 2026.
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No. This promotion doesn’t provide cash or a deposit into your checking or savings account.
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  • 1Between April 2026 to June 2026, 66% 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.


For Personal Loans, APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount.APRs and origination/processing fees are determined at the time of application. The lowest APR 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. Advertised rates and fees are valid as of July 06, 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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