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.

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

How to consolidate debt without hurting your credit score

It’s not possible to consolidate debt with zero credit score impact: any application for new credit usually affects your credit score. However, debt consolidation with a personal loan can improve your score over time.

Personal Finance

Aug 31, 2026

4 min read

5 reasons why loan applications are delayed and how to address them

Most personal loan application delays come down to a few things. Missing or mismatched documents, failed income verification, unanswered follow-up requests, and submitting multiple full applications to different lenders are some of them. Knowing what to look for can help you identify and address potential delays.

Personal Loan

Aug 31, 2026

4 min read

5 factors that may affect personal loan approval

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.

Personal Loan

Aug 31, 2026

4 min read

Debt-to-income ratio: what it is and how to improve yours before applying

Your debt-to-income (DTI) ratio is your total monthly debt payments divided by your gross monthly income, expressed as a percentage. It is one of many factors used to determine your creditworthiness.

Personal Finance

Aug 31, 2026

4 min read

What Is Debt-to-Income Ratio? (+ How to Improve It)

Fixed vs. variable rate personal loans: which is right for you in 2026?

A fixed-rate personal loan locks in your APR and monthly payment for the full term. A variable-rate personal loan ties your rate to a market index, which can move up or down over time. Fixed rates typically protect you from rate increases. Variable rates carry the risk of rising costs.

Personal Loan

Aug 31, 2026

4 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

Are there any fees?

TopUp FAQ

Dec 31, 1969

less than a minute read

What happens after I check my rate?

TopUp FAQ

Dec 31, 1969

less than a minute read

How can I use my TopUp loan?

TopUp FAQ

Dec 31, 1969

less than a minute read

How Much Can I Borrow With TopUp?

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

TopUp FAQ

Dec 31, 1969

less than a minute read

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

TopUp FAQ

Dec 31, 1969

less than a minute read

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

4 min read

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

4 min read

Annual Percentage Rate (APR)

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

A Letter Term

Mar 21, 2023

3 min read

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

3 min read

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

3 min read