Note: This says: Eligibility: This offer is exclusively available to borrowers who: (1) receive this offer and complete the loan application through the offer link provided by (July 16, 2026) but it is being advertised on social media so YMMV.
Offers
- Happen Bank offers a $250 bonus when you get a $10,000+ personal loan
Fine Press
- This offer is exclusively available to borrowers who: (1) receive this offer and complete the loan application through the offer link provided by (July 16, 2026); (2) you have a fully funded and open loan of $10,000 or more; and (3) have no prior loan or deposit accounts with LendingClub Bank or Happen Bank.
- To qualify, applicants must agree to the terms of the loan through a Truth in Lending (TIL) disclosure and the loan must be successfully originated and funded.
- In addition, the first scheduled payment must be made in full and on time. This offer is only accessible via the Happen Bank marketing offer link and is not valid on applications submitted through any other channel, including partners, affiliates or referral programs.
- The promotional offer will not be fulfilled if the loan created is canceled at any time before or after funding.
- The $250 credit will be applied within 30 days of the first successful payment and applies only to the principal balance and will not modify any scheduled payment amount or due date during the loan term.
- Any reduction in the outstanding balance will be reflected in the final payment.
Our verdict
There are a few fees to be aware of:
- Origination fee of 0% ($0) to 8% ($800)
- No prepayment fee, which means you can repay the loan as soon as you receive the loan (30 days after the first successful payment)
- Because of the above, you will probably have to pay at least two months of interest on the loan. This will change from 5.96% APR (~$99.33) to 35.99% APR (~$599.83)
If you have great credit, you could potentially earn $150, but it’s a lot of work for a small advantage, and it will also affect your credit. Most people will be better off following the credit card OR bank account bonuses instead.
