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Happen Bank Personal Loan (formerly LendingClub Personal Loan)

Happen Bank (formerly LendingClub) · Personal loan · Rates as of Sep 04, 2026
APR (fixed)
5.96% to 35.96%
APR, fixed

What Happen Bank (formerly LendingClub) publishes: "APR ranges from 5.96% APR to 35.96% APR"

All personal loans offered by Happen Bank are fixed rate loans. Origination/processing fee 0.00% to 8.00% is included in APR. No autopay or relationship discount stated.

Representative example from the lender: $15,262 for a term of 36 months, with an interest rate of 13.99% and a 6% origination fee of $916, for an APR of 18.40%. The borrower will receive $14,346 and will make 36 monthly payments of $522.

The rate you are offered is set by Happen Bank (formerly LendingClub) after you apply on its site. It depends on your credit history, income, loan amount and term, and may be higher than the lowest rate shown here.

Loan amount and term
Loan amount$1,000 to $75,000
Term24 to 84 months
Rate typefixed
Funding speedas little as 24 hours (page states 64% of approved loans were disbursed within 24 hours, Jan-Mar 2026)
Fees
Origination fee0.00% to 8.00% of the loan amount
Prepayment penaltyNo
Late feeNot stated
Eligibility
Minimum credit scoreNot disclosed
StatesAll states
MembershipNot required
Highlights
  • Origination fee 0.00% to 8.00% of the loan amount
  • Funding: as little as 24 hours (page states 64% of approved loans were disbursed within 24 hours, Jan-Mar 2026)
  • Borrow up to $75,000
  • No prepayment penalty
About Happen Bank (formerly LendingClub)
Legal nameHappen Bank, N.A., Member FDIC, NMLS ID 167439 (formerly LendingClub Bank, N.A.)
TypeBank
Websitehttps://www.happen.com

Other Happen Bank (formerly LendingClub) offers on Banrox: Happen Bank Auto Refinance Loan, Happen Bank Business Loans (AOF small business loans $5,000-$250,000; Happen Bank SBA loans from $400,000).

Source and date
Rates as ofSep 04, 2026
Lender rate pageOpen
Lender disclosuresOpen

Every number on this page is copied from Happen Bank (formerly LendingClub)'s public website on the date above. Banrox does not set, estimate or adjust lender rates.

Estimated payment
at 5.96% APR, the lowest published
$0
/month
Loan amount and term
Apply
Apply on Happen Bank (formerly LendingClub)'s site
See the lender's rate page
Lowest APR, last 2 checks
Estimate only. Principal and interest at the lowest APR the lender publishes, excluding fees. Your actual rate, payment and eligibility are decided by the lender. This is not an offer or a commitment to lend.
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Third-party lenders

Loan offers are provided by third-party lenders. Banrox is a technology company and is not a lender. Banrox does not take loan applications, make credit decisions or fund loans.

Compensation

Banrox may receive compensation from some lenders when you click or apply through links on this page. Compensation does not affect the rates shown, which are taken from each lender's public website as of the date displayed.

Rates and estimates

Rates, amounts, terms and fees are shown as published on the lender's website on the date marked above and may change without notice. The payment estimate uses the lowest APR the lender publishes and excludes origination and other fees; the lender's own disclosure governs. Nothing on this page is an offer, a rate quote or a commitment to lend.

Frequently Asked Questions
Frequently Asked Questions
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Email Us
[email protected]
Call Us
Customer Service: (888) 888-6401
Location
40 N Altadena Dr Ste 105
Pasadena, CA 91107

Before you rely on anything on this page

Banrox does not decide. Banrox Inc. is a technology company. It is not a bank, a lender, a loan broker, or a credit repair organization, and it does not approve, deny, price or underwrite any credit product. Every decision belongs to the bank, lender or issuer, under its own criteria and its own licences.

Nothing here is an offer. Rates, payments, limits and terms shown on this site are published information or arithmetic estimates. They are not quotes, not pre-approvals and not offers of credit. Your actual terms depend on the provider's review of your application. See where these numbers come from.

Equal Credit Opportunity Act. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning Banrox Inc. is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. More on fair lending.

How Banrox is paid, and why payment cannot change the order of a comparison: Advertiser and Affiliate Disclosure. Full terms: Terms of Service.

Banrox Inc., 40 N Altadena Dr Ste 105, Pasadena, CA 91107. Every legal document is at Legal and Disclosure. To complain to a regulator instead of to us, the addresses are at Complaints and Regulator Contacts. You never have to come to us first.

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