Welcome, Happen Bank Members!

When LendingClub was founded in 2006, “LendingClub” described what they did – lending (only). Today, they do so much more and have chosen a name that better describes everything they offer and why they exist: to clear the way for people going places. To help them make it happen.

There are no changes to your account numbers, the terms and conditions of your account or your linked accounts. You’ll continue to receive the same products and services you’ve come to know and love – just under a new name.

You can visit meethappen.com to learn more about the rebrand.

The interest rate is the periodic rate applied to the principal balance on the loan while the APR is the cost of your credit as an annual rate, which includes interest plus other finance charges such as the origination fee.

Origination fees are assessed on loans to cover costs associated with processing and issuing your loan. Unfortunately, they cannot be waived.

Yes. After your loan has been onboarded to our servicing system, within 72 hours your Auto Pay enrollment will be set up, which is a few weeks ahead of your first scheduled payment. Once you have registered for MyAccount, you will also see the option “Manage Auto Pay” to validate that your automatic payments transferred, make modifications or cancel your Auto Pay. If you have not set up Auto Pay, you will have the opportunity to “Set up Auto Pay” on the MyAccount home page.

You will need to set up bill pay with your bank and list Santander Consumer USA as a payee. You may need the following information to edit or create a Santander Consumer USA recipient profile: Payee Name (Santander Consumer USA); Your Santander Consumer USA account number; and Payee Address (P.O. Box 660633, Dallas, TX 75266-0633).

Payments received by Happen Bank will be forwarded to Santander Consumer USA for processing, which may delay posting by a few days, but your payment will be effective as of the date Happen Bank received the payment. To ensure the fastest processing, please send payments directly to Santander Consumer USA at P.O. Box 660633, Dallas, TX 75266-0633.

If you wish to enroll in Santander Consumer USA’s free automatic draft program, known as Auto Pay, you can do so at MyAccount.SantanderConsumerUSA.com, by selecting “Set up Auto Pay” on the MyAccount Dashboard page.

Our available payment options can be found at SantanderConsumerUSA.com/payments.

If you wish to enroll in paperless statements, please log into your MyAccount (once registered), select Statements in the navigation and select “Go Paperless,” then click “Submit.”

Customer service phone agents are available at 888-222-4227, Monday through Friday, 7 a.m. to 9 p.m., or Saturday 7 a.m. to 5 p.m. CT, or via live chat Monday through Friday, 7 a.m. to 7 p.m. CT.

For additional contact methods, visit SantanderConsumerUSA.com/contact.

You can make additional payments by doing one of the following:

1. Make an ACH or debit card payment at MyAccount.SantanderConsumerUSA.com
2. Mail your payment to Santander, P.O. Box 660633, Dallas, TX 75266; or
3. Set your automatic payment for an amount higher than your normal payment.

The Happen Bank team will handle securing the lien under their name. Please look for emails in case a required document for lien placement is missing or needs to be completed. If required documents are not received, it can impact their ability to add the lien, which can result in impacts to vehicle registration, delays with insurance payouts in the event of a total loss, title release, etc. Once your vehicle is paid off, we will release the title and interest to you.