More Information:

• Check your rate in minutes with no impact to your credit score¹
• Fixed rates and predictable monthly payments
• You could earn 2% cash back on personal loan payments with your LevelUp Checking Account²
   

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.

 

²Loan Payment Cash Back provides the opportunity to earn 2% cash back for on-time qualifying Happen Bank loan payments made electronically from a LevelUp Checking account. Direct Deposit into LevelUp Checking account required for eligibility to receive cash back. Please visit LendingClub.com/LevelUp-Checking for additional information about LevelUp Checking, including details relating to cash back requirements. LevelUp Checking account must be open and active at the time the cash back is credited. Accounts subject to approval which may include credit approval.  No minimum opening deposit required. Please see Product Terms and Conditions for additional product details.  Member FDIC.  FDIC-insured up to $250,000 per depositor for each ownership category.

 

Between April 2026 to June 2026, 66% of Happen Personal Loans that were approved for funding (which is after your loan application is approved) on a given business day were disbursed within 24 hours. Actual availability of funds may vary and is dependent on multiple factors, including, but not limited to your receiving bank’s processing times and policies. A business day is defined as Monday through Friday and excludes the weekend and bank holidays.

 

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 borrowower 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 and/or through all application channels or platforms.

 

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 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.

 

Loans are made by Happen Bank, N.A., Equal Housing Lender (“Happen Bank”), a wholly-owned subsidiary of Happen, Inc, NMLS ID 167439. Credit eligibility is not guaranteed. Loans are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. “Happen” and the “H” symbol are trademarks of Happen Bank.

 

Happen Bank is not an affiliate of this platform, which is an unrelated third party ("third party”). Happen Bank is not responsible for any products and services provided by this third party, which may receive compensation if you visit the Happen Bank’s websites or use any of its products or services. Certain information that Happen Bank subsequently obtains as part of the application process (including but not limited to information in your consumer report, your income, the loan amount that you request, the purpose of your loan, and qualifying debt) will be considered and could affect your ability to obtain a loan. Loan closing is contingent on accepting all required agreements and disclosures.