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. If you receive a direct mail offer, you must apply within the timeframe stated in your mailer.
Who is eligible for this promotion?
Last Updated June 8, 2023less than a minute read
Additional July $250 Account Credit Promotion FAQ
Keep more of what you earn and earn more on what you save.
Checking your rate won’t impact your credit score.2
Happen Bank Resources
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Lenders usually evaluate your credit score, debt-to-income ratio, income stability, and application accuracy when making an approval decision. Each one is within your control to varying degrees. Improving on these can be beneficial before you apply for a personal loan.
A soft pull is a background look at your credit file that doesn't affect your credit score, while a hard pull is tied to an actual credit application and can affect your score. At Happen Bank, when you check your rate for a personal loan, you generate a soft pull – a hard pull only appears if and when a loan is issued to you. This means you can compare rates without your credit score taking a hit each time you look.
Getting approved for a personal loan faster can come down to preparation more than anything else. A complete application with accurate documents moves through the process quickly. An incomplete one creates delays.
Most people apply for personal loans through an app or website now: no branch visit or phone call required. But not all apps are built the same. The best ones are fast to show you real terms, easy to navigate from application to payout, and useful beyond the loan itself. Here's what to look for before you download anything.
There’s no universal minimum credit score for a personal loan. The thresholds vary with lenders, and your credit score (along with several other factors) affects what you’re offered, not just whether you qualify. A stronger credit score typically also means a lower annual percentage rate (APR). A lower score doesn’t automatically mean denial, but it usually means a higher APR.
Related Impact
Today, we are thrilled to announce the completion of our acquisition of Radius Bancorp, Inc. (“Radius”). In February 2020, we announced our intent to acquire Radius and shared how we can grow and deepen our customer relationships with a marketplace bank.
Related FAQ's
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.
No. You still have to make your monthly payment.
Eligible new customers who receive this promotional offer can earn a $250 account credit to their loan’s principal balance.
Complete the loan application through the provided offer link by July 16, 2026.
No. This promotion doesn’t provide cash or a deposit into your checking or savings account.
Related Glossary
{noun} A type of credit that allows the borrower to make charges and payments against a set borrowing limit, paying interest only on outstanding balances.
{noun} The amount of unpaid interest that has accumulated as of a specific date, either on a loan or an interest-bearing account or investment.
{noun} The total annual cost to borrow money, including fees, expressed as a percentage.
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.
{noun} An interest rate that remains the same for a set time, usually for the life of the loan.
