18 reviews · averaged over every published review, unweighted
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Happen Bank, formerly LendingClub according to its website, is an FDIC-insured bank based in San Francisco and a subsidiary of Happen, Inc. It offers personal loans for debt consolidation and large expenses, auto refinancing, checking and high-yield savings accounts, certificates of deposit, and business and SBA loans.
Applied on a Tuesday for a $1,000 personal loan and the money was in my account on Thursday. No paperwork chase, no phone calls needed. Will use again if I need another one.
Date of experience: November 4, 2026
I was drowning in credit card interest and Happen was the only lender that approved me. One loan, one payment, and for the first time in two years I can see the end of it.
Date of experience: October 27, 2026
Came across the app for the savings rate and stayed for how simple the transfers are. The rate has been slightly better than what I had with a big bank, and there is no minimum balance nonsense.
Date of experience: October 23, 2026
I am the least technical person in my family and I had an account open and funded before my coffee went cold. The app told me what to do at every step.
Date of experience: October 18, 2026
Everything I need for the loan is in one place: balance, next payment, and what is left after this month. No statements to dig through and no surprises so far.
Date of experience: October 20, 2026
I have had CDs, savings and a couple of loans with this bank over ten years. Transfers have always gone through when they said they would and nobody has ever tried to sell me something I did not ask for.
Date of experience: October 16, 2026
Called about a payment that had not shown up and got a person in under three minutes who could actually see my account. She explained the posting delay and it cleared the next morning.
Date of experience: October 10, 2026
I came for the savings rate and I have had no trouble at all. Transfers in and out are quick and the app is not cluttered with things I would never use.
Date of experience: October 4, 2026
No credit score widgets, no investment pitches, no financial advisor chat bot. Just accounts, transfers and a loan I can see. That is all I wanted.
Date of experience: October 1, 2026
The banking part is genuinely well made and the rate is solid. My only complaint is that the sweepstakes and loan offers take up half the home screen. Let me hide them and this is a five.
Date of experience: September 22, 2026
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Happen Bank also has a profile on Trustpilot. Those reviews weren’t posted on SaidByCustomers and don’t count toward a rating here.