The Happen Bank, N.A. Fair Credit is a personal loan from Happen Bank, N.A.. The annual fee is $0. The ongoing APR is 5.96% to 35.99%. Approval typically requires a credit score of 600 or higher. Typical credit limit: $1,000 to $75,000. Funding speed: in as little as 24 hours. Loan terms: Terms of 24 to 84 months. This product reports activity to your personal credit report. Joint and co-borrower applications allowed. Origination fee 3%-8%. Direct creditor payment option. Terms 2-5 years.