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I am elderly living on a fixed income

I am elderly living on a fixed income. I had debt that needed to be dealt with. I did not want to put my home in jeopardy. Happen Bank offered me a personal loan, no collateral, reasonable interest rate and a payment that fit into my budget. As well a an end date that was reliable. Everything I needed. And I was able to navigate the entire thing, easily and quickly. This was one of the best banking eperiences I have ever had. Thank you Happen Bank.

Highly Recommended!

We have been considering a loan to pay off some credit cards that will soon have higher interest rates. We have done this before with older cards and found it helpful to keep our finances on track with our goals. In the past , the loans were not too difficult to set up and about a week later funds were given and cards were paid. This is the first time using Happen Bank/formerly Lending Club, and it could not have been easier with a quicker funding of the approved loan. I applied online on Sunday. Monday was a holiday. By Wednesday our cards were paid and the rest is history. Highly recommend.

Wonderful

Wonderful! The process was easy. I was able to find a loan that fit my needs and within a few days 3 of my credit cards have been paid off with some money left over to pay one credit card on my own. So glad to finally be free of that debt and finally save money with one low monthly payment instead of four.

It has been 6 to 7 days and I still…

It has been 6 to 7 days and I still have not gotten my money that I requested into my account. I corrected my checking account several times and it still has not been corrected. I called today to see about my loan and noticed that my account has still not been corrected so I gave my information again and we’ll see how long it takes to get my money thank you and have a great day.

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Should I or shouldn't I?

When looking at options recommended by Credit Karma, I compared two things: Interest rates and BBB rating. Happen Bank has an A+ rating. This led me to believe that the organization is trustworthy. I applied (which was easy to do) and got results within 24 hours, meaning I was approved. I look forward to a positive relationship with Happen Bank. Thank you!

Fast, efficient and transparent!

I was looking at a few different loan services to compare rates as well as see which ones were able to help with a low credit score. Happen was very transparent about their fees and rates which made the loan much easier to understand. Overall the process was fast and whenever there was a problem or something else was needed, they communicated very quick.

I was using lending club for a few…

I was using lending club for a few years and really liked it, pushed it over CareCredit. But now that it switched to happen bank, I am disappointed with some of the changes. Instead of it being a line of credit, every application is a loan. So every time a patient wants to use it we have to do a new loan and another hard credit check, I have a patient who has done it twice this year and needs a third but does not want another hard credit check. The charge is so small, around $2250 and the have a max line of credit at $27,000 but still has to do a new application and loan, I do not even understand it. I'm sorry but I will only offer my patients something I myself would do, and I would not continue taking out loans like this.

Quick and easy

The whole process was quick and straight forward. I just filled out the basic information and in a couple days I was approved and 3 days later all the debts were paid off. Also it was far lower fees and interest rate than other sources I checked on.