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TCPA Consent Agreement

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Communication Consent

You expressly consent and agree to receive communications (including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system) from us, our affiliates, successors and assigns, and designated third-party service providers acting on our behalf, regarding any partially or fully completed account application that you submit or attempt to submit to us, any account that you establish with us, at any telephone number that you provide to us or that we can reasonably associate with you (through skip trace, caller ID capture or other means), now and in the future, including cellular telephone numbers. You agree to notify us if any telephone number associated with any such application or account changes or is reassigned to a new subscriber. You certify that you are authorized to provide this consent because you are either the subscriber of the telephone number you provide or a non-subscriber customary user with authority to provide this consent. Standard communication rates, fees, and charges from your telephone service provider may apply. You agree that we may monitor and record any communications between you and us for quality assurance and other permitted business purposes.

You agree that we may communicate with you via electronic mail regarding any action you take in response to any partially or fully completed account application that you submit or attempt to submit to us and any account that you establish with us. You agree that we may communicate with you via electronic mail to market products or services to you, or for any other permitted business purpose. You understand and agree that we may always communicate with you in any manner allowed by law that does not require your consent.

Wireless Carrier Authorization Terms

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Happen Bank or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.

    For Personal Loans, APR ranges from 5.96% APR to 35.96% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of July 06, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.

    A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $15,262 for a term of 36 months, with an interest rate of 13.99% and a 6% origination fee of $916, for an APR of 18.40%. In this example, the borrower will receive $14,346 and will make 36 monthly payments of $522. Loan amounts range from $1,000 to $75,000 and loan term lengths range from 24 months to 84 months. Some amounts, rates, and term lengths may be unavailable in certain states, and may not be available for all Personal Loan products and/or through all application channels or platforms.

    Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history.

    Unless otherwise specified, all credit and deposit products are provided by Happen Bank, N.A., Member FDIC, Equal Housing Lender (“Happen Bank”), a wholly-owned subsidiary of Happen, Inc., NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit products are subject to approval, which may include credit approval. 

    Our mailing address is: Happen Bank, N.A., 88 Kearny Street, Suite 600, San Francisco, CA 94108. 

    “Happen” and the “H” symbol are trademarks of Happen Bank.

    © 2026 Happen Bank. All rights reserved.

    Equal Housing LenderMember FDIC