Personal Loans

Celebrating America’s birthday with a $250 account credit^†

Limited time offer for new customers.
Valid from 7/2/26 to 7/16/26.

Checking your rate won't impact your credit score¹

Limited time offer:
New customers earn $250 account credit

Check Your Rate

How to make it happen

Check your rate in seconds¹˒²

with no impact to your credit score and apply by July 16, 2026.

Get a qualifying personal loan

of at least $10,000 and make your first payment on time.

Receive a $250 account credit^†

applied directly to your principal.

Check Your Rate

See what our members are saying

"“Fast and excellent customer service. Very helpful and one of the best financial institutions in the US today. Highly recommended!"

-Kyle, a member from New York³

Read More Reviews

4.8

7K+ App Store Reviews

88 Kearny Street, Suite 600
San Francisco, CA 94108

† Eligibility: This offer is exclusively available to borrowers who: (1) receive this offer and complete the loan application through the provided offer link by [July 16, 2026]; (2) have a fully funded and opened loan of $10,000 or more; and (3) have no prior loan or deposit account with LendingClub Bank or Happen Bank. To qualify, applicants must accept the loan terms via the Truth in Lending (TIL) disclosure, and the loan must be successfully originated and funded. Additionally, the first scheduled payment must be made in full and on time. This offer is only accessible through the Happen Bank marketing offer link and is not valid for applications submitted through any other channel, including partners, affiliates, or referral programs. The promotional offer will not be fulfilled if the originated loan is canceled at any point before or after funding.  The $250 credit will be applied within 30 days of the successful first payment and is applied to the principal balance only and will not modify any scheduled payment amounts or due dates during the loan term. Any reduction in the outstanding balance will be reflected in the final payment.

Borrower is responsible for any applicable taxes related to the $250 credit.   

This offer is available for a limited time only. Happen Bank reserves the right to modify, suspend, or discontinue this offer at any time and without prior notice.

1. Checking a rate through us generates a soft inquiry on a person’s credit report, which does not impact that person’s 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 a loan is issued to the person. 
2. Between 1/1/2026 and 3/31/2026, 68% of Happen Bank Personal Loans offers were generated in under a minute from the beginning of the application process. 
3. Based on reviews collected by Trustpilot. This is one person's experience. Individual results may vary. All such reviews can be accessed at trustpilot.com/review/happenbank.com.

For Personal Loans, APR ranges from 5.96% APR to 35.99% 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 April 27, 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 $27,198 for a term of 36 months, with an interest rate of 14.49% and a 6% origination fee of $1,632, for an APR of 18.91%. In this example, the borrower will receive $25,566 and will make 36 monthly payments of $936. 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.

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.

Personal Loans

Celebrating America’s birthday with a $250 account credit†

Limited time offer: New customers earn $250 account credit

How to make it happen

See what our members are saying

Celebrating America’s birthday with a $250 account credit^†

Limited time offer:
New customers earn $250 account credit