The TopUp loan gives you the extra money you need and allows you to refinance your existing Happen Bank personal loan at a competitive rate.
Once approved, we'll refinance your current personal loan into the TopUp loan for your remaining loan balance plus the extra amount you want to borrow. Then, we'll send the additional cash right to your bank account.
Your new TopUp loan may have a different interest rate, term length, and monthly payment from your existing loan. That's because when you refinance a personal loan and extend the time you are expected to pay it off, it could result in more interest paid over the loan term.
What is a TopUp 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
Happen Bank Resources
Related Articles
Borrowing $1,500 is often harder – and more expensive per dollar – than borrowing $15,000. Many banks don't offer small personal loans, and the products that fill the gap can cost several times more. Happen Bank personal loans start at $1,000 with APRs from 6.53% to 35.99%.1 Check your rate in seconds with no impact to your credit score.2,4
"Bad credit" is a range, not a verdict. A borrower with a credit score of 620 has meaningfully different options than one with a credit score of 520 – and a personal loan from a bank can still be an option for many borrowers in the fair credit range (580–669). Before you decide anything, check your rate in seconds with no impact to your credit score.1,4 If you're not yet in the qualifying range, credit monitoring tools can help you track the progress that matters most.
A personal loan typically has a fixed APR, fixed term, and fixed monthly payment. The application, verification, and funding increasingly happen digitally – without branch visits or paper forms.
The best personal loan rate in 2026 isn't the one with the lowest advertised interest rate: it's the one with the lowest APR, which includes additional finance charges.
Your car won't start on a Monday morning. The repair estimate is $1,400, and your next paycheck isn't until Friday. The question isn't whether you need money fast – it's which option gets it to you at the most efficient cost.
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
Once your loan is approved for funding, we’ll pay your creditors directly or send the money in as little as 24 hours.<sup>1</sup>
Your maximum borrowing amount is based on your current loan's balance and your individual credit profile.
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.
