Happen Bank (formerly LendingClub): personal loan terms and fees
LendingClub is now Happen Bank; compare its current personal-loan disclosures.
Product details and conditions
Name change
The company identifies Happen Bank as formerly LendingClub and dates the rebrand to June 2026. This existing URL is retained to help readers recognize the same provider.
Happen Bank company history ↓Amounts and terms
The current product disclosure lists $1,000–$75,000 and 24–84 months. State, product and application-channel restrictions can apply.
Personal loan — official product terms ↓APR and origination
The disclosure dated July 6, 2026 lists 5.96%–35.96% APR and a 0%–8% origination or processing fee. Your offered terms are determined at application; the lowest rate is not guaranteed.
Personal loan — official product terms ↓Credit check
Checking rates uses a soft inquiry. The provider says a hard inquiry appears if and when a loan is issued.
Personal loan — official product terms ↓Before you choose
- What APR, origination fee and net deposit are in my actual offer?
- What are the monthly payment and total scheduled payments for each available term?
- Is collateral required, and what happens if I cannot repay?
- When does a credit check become a hard inquiry, and are there state or loan-use restrictions?
Provider sources
- Personal loan — official product terms ↗
Checked 2026-09-24 · Document date: July 6, 2026 (published loan terms)
- Happen Bank company history ↗
Checked 2026-09-24