Happen Bank personal loans: APR, fees and requirements
What Happen Bank publishes about its personal loans (5.96% to 35.99% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.
| Lender type | Bank |
|---|---|
| APR range | 5.96% to 35.99% |
| Loan amounts | $1,000 to $75,000 |
| Repayment terms | 24 to 84 months |
| Origination fee | 0.00% to 8.00% |
| Minimum credit score | Not published |
| Funding time | In as little as 24 hours once approved for funding (Jan-Mar 2026: 64% disbursed within 24 hours) |
| Availability | Accepts applications from all U.S. states and Washington, D.C.; not from U.S. territories. Some amounts, rates and term lengths may be unavailable in certain states. |
How the lender states its rates: “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. ... Advertised rates and fees are valid as of July 06, 2026, are subject to change without notice.”
How the starting rate compares
The lowest advertised APR, 5.96%, ranks 1 of 33 among the lenders on our list (1 is the lowest). The Federal Reserve's average for a 24-month personal loan at commercial banks was 11.90% (August 2026). Only borrowers with strong credit get a lender's lowest rate.
Similar lenders
U.S. Bank
Bank
- APR
- 9.24% to 24.99%
- Loan amounts
- $1,000 to $50,000
- Origination fee
- None
USAA
Bank
- APR
- From 9.99%
- Loan amounts
- $2,500 to $100,000
- Origination fee
- Varies
Wells Fargo
Bank
- APR
- 6.74% to 26.74%
- Loan amounts
- $3,000 to $100,000
- Origination fee
- Not stated
Checked on October 16, 2026 on the lender's website. Rates and terms change: confirm before you apply. lendingclub.com/personal-loan