How quickly can I get my TopUp loan?

Once approved for funding, we’ll send your money in as little as 24 hours.*

*Between Jan 2025 to June 2025, 55% of Happen Bank 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.

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Checking your rate won’t impact your credit score.2
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Related FAQ's
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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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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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.
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{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. 
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Annual Percentage Rate (APR)
{noun} The total annual cost to borrow money, including fees, expressed as a percentage.
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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.
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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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