Happen Bank

Happen Inc

About this app

Happen Bank, formerly LendingClub, is a digital bank built around a simple belief: banking should work better for you. We bring borrowing, checking, and savings together in a digital experience that makes it quick and easy to make smart financial decisions. That means decisions in moments, not weeks. Fixed rates with no traps or gotchas. And trusted products and tools that help you earn more, save more, and make progress towards what you want to make happen next.

You’re making it happen. We’re here to clear the way. We are Happen Bank.

Here are a few reasons why members like you love the Happen Bank app:
• See your bank accounts and loans in one place
• Check your loan pay-down progress anytime, anywhere
• Meet your goals with an interest earning LevelUp Savings account
• Get rewarded with a LevelUp Checking account
• Link and view all your credit cards in one place with DebtIQ
• Safely move money between your accounts

Based on reviews collected by Trustpilot. All such reviews can be accessed at trustpilot.com/review/happen.com.

*Personal Loan APRs range from 5.96% APR to 35.96% APR. Origination/processing fees range from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. Loan amounts range from $1,000 to $75,000 and loan term lengths range from 24 to 84 months. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are subject to change without notice and may not be available for all Personal Loan products and/or through all application channels or platforms.

A borrower receives a loan of $15,262 for a term of 36 months, with an interest rate of 13.99% and a 6% origination fee ($916), resulting in an APR of 18.40%. In this example, the borrower receives $14,346 and makes 36 monthly payments of $522. Some amounts, rates, and term lengths may be unavailable in certain states and may not be available for all Personal Loan products and/or through all application channels or platforms.

Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history. Any account features that enable you to receive direct deposits, or that enable direct deposit funds to be made available to you early, are contingent upon and subject to the payor's support of such features.

Unless otherwise specified, all credit and deposit products are provided by Happen Bank, N.A., Member FDIC, Equal Housing Lender ("Happen Bank"), a wholly-owned subsidiary of Happen, Inc., NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit products are subject to approval, which may include credit approval. Deposit accounts are subject to approval. Deposit products are FDIC-insured up to $250,000 per depositor, per ownership category.

Ratings and reviews

Easy app to navigate (for the most part). I did have trouble paying off my first loan early, but was able to call and pay over the phone. Also, when I got my 2nd loan (consolidation) , they offered to pay some of my debts directly... they sent money to the wrong card and I'm still working on getting that sorted out. I recommend just having them deposit your loan and dispersing your funds yourself.

It was a positive experience. Instead of using a debt consolidation to pay off cards (which reflects negatively), I decided to take out a loan to pay my debt at an extremely lower interest rate than what my cards were. Now, I can make one payment each month at a super low interest rate and pay it back within 48 months. * My cards would have taken upwards of more than 5+ years to pay the conventional way.

needs dark mode! needs buckets! otherwise, I am very pleased with the app and bank. I have been with my other bank for over a decade and did a lot of comparing before deciding on moving to lending club. so far, I'm happy with my decision. edit: I like the simple interface too. Ally started getting really slow and cluttered over the years. support was fast to chat with too.

What’s new

Thank you for being a member. We’re always making updates to our app to ensure your experience is seamless. Turn on auto updates to make sure you always have the latest version.