Are there any fees?

Origination fee: When you get a new TopUp loan, you'll pay an origination fee of 0% to 8% of your TopUp cash-out amount. You will be able to review the origination fee on both your offer page and the Truth in Lending Disclosure before accepting your terms. You can also visit our page on How Rates & Fees Work. 

Prepayment policy: You won't be charged a penalty if you pay off your loan early.

Please see your TopUp Borrower Agreement for any additional information about nonpayment, default, or other matters related to your loan.

Additional Before You Apply FAQ

Keep more of what you earn and earn more on what you save.

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

Personal loans

Keep more of what you earn and earn more on what you save. Privacy & Security

Happen Bank Resources

5 Common Personal Loan Refinancing Mistakes to Avoid

Refinancing a personal loan can save you money or cost you more than you realize. Here are a few potential mistakes that can trip borrowers up, and how to avoid them.

Personal Loan

Nov 4, 2026

4 min read

Girl learns how to refinance a car and save money

How refinancing can lower your monthly personal loan payments

A lower APR and a longer term can reduce monthly personal loan payments. Here’s how each works.

Personal Loan

Nov 4, 2026

5 min read

two women smiling sitting on rock near waterfall

When should you refinance a personal loan?

Refinancing a personal loan can potentially lower your rate or monthly payment, but timing matters. Here’s how to know when it makes sense and when it doesn’t.

Personal Loan

Nov 4, 2026

4 min read

When and How to Refinance a Personal Loan

What affects your personal loan limit?

Personal loan limits vary by lender and borrower profile. Here’s what determines your maximum loan amount and what to consider before you apply.

Personal Loan

Nov 4, 2026

4 min read

How Much Could You Save by Consolidating Debt?

Debt consolidation savings depend on the gap between what you pay now and the APR on a consolidation loan. Here’s the principle, the formula, and how to run it for your situation.

Personal Loan

Nov 4, 2026

5 min read

Related Impact

It's Official—Radius Joins Happen Bank!

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.

Company News

Jan 30, 2021

2 min read

Related FAQ's

What happens after I check my rate?

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What could affect the final amount of cash funds I receive?

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How Much Can I Borrow With TopUp?

Your maximum borrowing amount is based on your current loan's balance and your individual credit profile.

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Will checking my rate affect my credit score?

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What is a TopUp loan?

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Related Glossary

Revolving Credit

{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.

R Letter Term

Sep 6, 2023

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Accrued Interest

{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.

A Letter Term

Mar 21, 2023

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Annual Percentage Rate (APR)

{noun} The total annual cost to borrow money, including fees, expressed as a percentage.

A Letter Term

Mar 21, 2023

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Charge-Off

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.

C Letter Term

Feb 7, 2023

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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.

F Letter Term

Feb 4, 2023

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