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Happen Bank

Happen Bank

Formerly LendingClub

9.5K ratings
531 reviews
💼 Business
💰 Finance
Free

Details

Released
June 11, 2012
Updated
October 15, 2026

Features

Background Location Access

Developer

Happen, Inc
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About

Manage your checking, savings, personal loans, and credit report all in one place. This app offers features to help you save, borrow, and track your financial health with tools like a credit simulator and free credit score monitoring.

✓Consolidated account management
✓Loan progress tracking
✓Free credit score and report monitoring
✓Debt consolidation options
✓Mobile check deposit
✓Debit card locking
✓Early direct deposit access
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What users say about Happen Bank

Reviews of Happen Bank are mixed: the Finance app is rated 4.8/5 from 9.5K App Store ratings. What users like most: easy to use, convenient banking. Top complaints: buggy app, unreliable app performance. Summarized from real user reviews.

Positive things

  • 🚀Easy to use
  • 🚀Convenient banking
  • 🚀Seamless experience
  • 🚀Intuitive interface
  • 🔒Secure banking
  • 💡Competitive interest rates
  • 💡Helpful customer service

Negative things

  • 🐛Buggy app
  • 🐛Unreliable app performance
  • 🐛Slow transaction processing
  • 🐛Inconsistent user experience
  • 🐛Difficult to navigate
  • 🐛Lacking key features
See all reviews

What's New in Happen Bank

400000001.03760675

October 15, 2026

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.

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User reviews

Most RecentHighest RatedLowest Rated

Easy to Use

The app makes managing a personal loan easy.
D0Donna G 017

Best HYSA

I started banking with Lending Club years ago from a NerdWallet article and had no idea what to expect. Since that time I have only been impressed with them. Their app and website are both super easy to use and they have competitive rates and good customer service. I would highly recommend them and this app!
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Ppeg045

Great Bank

Transactions are fast and easy to use. Best interest rates on Savings!
Sstarzagazin

First time use

This app was SOO EASY to set up. Can’t believe it was right the first time. I’m a girl who can’t order pizza on the online app, let alone down load and set up a financial app with out the help of my sister. And when I say help I mean my sister doing all the work..
SShawnDraffen

App links don’t work

When I click on the link to continue a loan application it opens a new application. I called 3 times to explain this, one person tried to fix it on the second call and the other two didn’t understand the issue. Still unresolved
CCustomerBRH
See 526 more reviews

User experience

🐞

Reported Bugs

5 issues

Account login issues

Bug

Incorrect account balance display

Bug

Unreliable mobile deposit functionality

Bug

Delayed transaction updates

Bug

Compatibility problems with newer devices

Bug
✨

Requested Features

5 requests

Improve mobile deposit process

Feature

Add Zelle integration

Feature

Enhance transaction history and categorization

Feature

Provide better account management tools

Feature

Improve app responsiveness and stability

Feature

FAQ

What can I do with the LendingClub app?

The app allows you to manage your checking and savings accounts, track personal loan progress, and monitor your credit report and score for free. You can also move money between accounts, deposit checks, and lock your debit card.

How does the app help with managing money?

It provides a central place to view all your financial accounts and loans. You can also use features like a credit simulator to understand how actions might impact your score and set up direct deposit for potential cash back rewards.

Is there a cost to use the LendingClub app?

The app itself is free to download and use. There are no fees for external transfers, and you can grow your money with competitive rates on savings accounts. Specific terms and conditions apply to credit and deposit products.

What are the key features for credit monitoring?

The app includes DebtIQ, which offers free monitoring of your credit score and report. It also features a credit simulator that helps you visualize how different financial actions could affect your credit score.

Can I get paid early with this app?

Yes, you can get paid up to two days early with direct deposit. This feature is contingent upon your payor supporting early direct deposit.