Payment plans through Happen Bank

Looking for financing options for your care? Find a payment plan that fits your budget today.

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We make health and wellness financing easy with:

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Budget-friendly payment plans

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A quick and easy application

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Instant access to the amounts, APRs, and terms you pre-qualify for

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No credit impact until you choose a plan and move forward¹

Health and wellness specialties we cover

Dentistry

From braces to dental implants, finance the care you need

Fertility

Fertility

Don't let cost keep you from growing your family

Hair

Hair Restoration

Invest in yourself and rediscover your confidence today

Bariatric

Weight Loss Surgery

Make your goals a reality

Ophthalmology

Get flexible financing for your vision care

Elective Medical

Achieve the look you want with wellness services, med spa treatments, and more

Looking for non-medical financing?

Find options for tutoring, auto repair, and retail

Payment plans that fit your needs

The availability of payment plans varies by provider

Loan amounts from $500 to $65,000 from 6 to 144 months

Attractive APRs as low as 3.99% and up to 30.99% with 0% financing also available

Prequalify with NO credit score impact until plan selected¹

We pay your provider directly within 1-3 business days after receipt of signed agreement

No prepayment penalties

$0 down payments

Patients love us

“I needed a lot of dental work, well past any coverage. I had a financial solution within an hour that allowed me to get my teeth back to health. Thanks.”

—Larry L., New Hampshire

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Do you have more questions?

Check out our FAQ center

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88 Kearny Street, Suite 600
San Francisco, CA 94108

1. A soft inquiry which is used to check your eligibility will not affect your credit score. A hard credit inquiry, which may affect that person’s credit score, only appears on the person’s credit report if and when an installment loan is issued to the person.

A representative example of payment terms is as follows: a borrower receives a loan of $15,000 for a term of 60 months with an APR of 12.99%. In this example, the borrower will make 60 monthly payments of $341.22. Loan amounts range from $500 to $65,000, and loan term lengths range from 6 months to 144 months. Some amounts, rates, and term lengths may be unavailable in certain states or with certain goods or service providers.

For Installment Loans, APR ranges from 0 to 30.99%. APRs 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 April 15, 2026 and are subject to change without notice.

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, as well as the selected goods or service provider.

Based on reviews collected by Trustpilot. All such reviews can be accessed at trustpilot.com/review/happen.com. This is one person's experience. Individual results may vary.

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.

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