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We've Got a Loan for Your Needs

Add the amount you need:

Checking your rate won't impact your credit score1

With an average rating 4.83 out of 5 stars, you're in good company with Happen Bank.

How we make it easy

Apply anytime, from anywhere. Get your funds fast.
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1. Apply in minutes

Let us know how much you'd like to borrow, and a bit about yourself.
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2. Choose your loan

Pick the loan that fits your monthly payment and interest preferences from your options.
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3. Get money deposited

Upon approval, your loan is automatically deposited into the account you chose. You don't even have to move from your favorite chair!

What the Happen Bank community is saying

5 Stars

Super easy to apply and site easy to navigate

The loan application process was super simple to complete. They were great about the response time and the website was easy to navigate. I was able to pay off some bills and save money on interest allowing us to plan for our kids' college2

– Amber, a member from Galesburg, IL paid off her credit cards to save

5 Stars

Great interest rate and easy to apply

It was easy to apply. Notified of loan in a timely matter and was kept updated of the process. I'm using the loan to pay off credit cards that had a higher interest rate and now I will have only one monthly bill to pay which a much lower interest rate. Thanks!2

– Deb, a member from Normangee, TX consolidated her debts to one payment

5 Stars

So easy

This was one of the more simplified loan processes we've ever been through. The rates are great and process smooth - what else could we ask for! Thank you for lending us the funds needed to consolidate some high interest debt!2

– T, a member from Littleton, CO consolidated his high interest debt

Check Your Rate
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88 Kearny Street, Suite 600
San Francisco, CA 94108

  • 1Checking 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.

  • 2Based 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.

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 17.32%. 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.

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Equal Housing LenderMember FDIC