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
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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. APR (Annual Percentage Rate) is the only apples-to-apples comparison figure because it includes both the interest rate and any origination fee.
A credit card consolidation loan replaces multiple high-interest card balances with a single fixed-rate personal loan – one monthly payment, one interest rate, and a defined payoff date. For borrowers carrying balances at 21.39% APR or higher, the interest savings are often substantial1. The math works for the same term when your consolidation loan APR is lower than your current weighted average card APR and the fixed monthly payment fits your budget.
The best home improvement loan depends on two things: how much equity you have and how quickly you need the funds. Homeowners with significant equity can access lower starting rates through a Home Equity Line of Credit (HELOC) or home equity loan, but closing costs and appraisal fees may narrow that advantage on mid-size projects. An unsecured personal loan requires no equity, no appraisal, and can be funded in days1 – at a fixed rate that won't move over the life of the project. Happen Bank offers eligible applicants a 1% interest rate discount on personal loans used for home improvement.
Both a high-yield savings account (HYSA) and a certificate of deposit (CD) outperform a traditional savings account.
The unsecured personal loan market continues to hit record highs, and despite challenging macroeconomic conditions, shows few signs of slowing down.
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.
