Lender network / Lender profile
Happen Bank Personal Loans: Rates, Terms and Fees (2026)
Short answer: Happen Bank, formerly LendingClub Bank, offers some of the lowest starting rates here and can pay up to 12 creditors directly. It renamed in June 2026.
| At a glance | Happen Bank |
|---|---|
| APR range | 5.96% to 35.99% |
| Loan amounts | $1,000 to $60,000 |
| Terms | 24 to 84 months |
| Origination fee | 0% to 8% |
| Funding time | As soon as 24 hours after approval |
| Minimum credit score | Not published |
| Late fee | Greater of $15 or 5% of the amount due, after 15 days |
| Availability | All 50 states and D.C. |
| Credit check to pre-qualify | Soft pull through CLO |
Good to know
- Formerly LendingClub Bank
- Direct Pay to up to 12 creditors, with an APR discount
- Co-borrowers allowed
- No autopay discount and no prepayment penalty
How Happen Bank reaches CLO
Offers from Happen Bank come through CLO's partner network, powered by Flexxbuy. CLO is not a lender and doesn't make credit decisions. Lenders can't pay to change what this profile says.
Checking your rate uses a soft credit pull. Accepting an offer and finishing a lender's application may lead to a hard inquiry.
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Happen Bank personal loan questions
What credit score do I need for Happen Bank?
Happen Bank doesn't publish a minimum credit score. Pre-qualifying through CLO shows whether Happen Bank will make you an offer, without affecting your credit.
How much can I borrow from Happen Bank?
Happen Bank loan amounts: $1,000 to $60,000. The amount you're offered depends on your income, credit, existing debt and state.
What APR does Happen Bank charge?
Happen Bank's published APR range is 5.96% to 35.99%. Your rate depends on your credit profile, loan amount and term.
How fast does Happen Bank fund loans?
As soon as 24 hours after approval. Timing starts once your application and documents are complete.
Does checking my rate with Happen Bank affect my credit?
No. Pre-qualifying through CLO uses a soft credit pull. A hard inquiry happens only if you accept an offer and complete Happen Bank's application.
Sources: >Experian: Happen Bank personal loan · >CNBC Select review · >Banking Dive: rebrand. Found an error? Report it.