# Happen Bank — Formerly LendingClub

> Mobile banking app for managing accounts, loans, and credit reports. (iPhone/iPad app by Happen, Inc.)

- Source: https://appshunter.io/ios/app/happen-bank/id532638447 (this page in markdown: same URL + `.md`)
- Developer: [Happen, Inc](https://appshunter.io/developer/1194703486)
- Category: Finance, Business
- Price: Free
- Rating: 4.80/5 from 8,924 App Store ratings · 495 written reviews indexed
- Age rating: 4+
- Requires: iOS 14.0 · 129 MB
- Languages: American English, French (France), European Spanish
- Released: 2012-06-11
- Data updated: 2026-09-02
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/happen-bank/id532638447/reviews.md

## What is Happen Bank?

Happen Bank, formerly LendingClub, is a digital bank built around a simple belief: banking should work better for you. We bring borrowing, checking, and savings together in a digital experience that makes it quick and easy to make smart financial decisions. That means decisions in moments, not weeks. Fixed rates with no traps or gotchas. And trusted products and tools that help you earn more, save more, and make progress towards what you want to make happen next.

You’re making it happen. We’re here to clear the way. We are Happen Bank. 

Here are a few reasons why members like you love the Happen Bank app: 
• See your bank accounts and loans in one place 
• Check your loan pay-down progress anytime, anywhere 
• Meet your goals with an interest earning LevelUp Savings account 
• Get rewarded with a LevelUp Checking account 
• Link and view all your credit cards in one place with DebtIQ 
• Safely move money between your accounts 

Based on reviews collected by Trustpilot. All such reviews can be accessed at trustpilot.com/review/happen.com. 

*Transaction limits may apply, see https://www.happen.com/legal/deposits/personal-products-terms-and-conditions for more terms and conditions 

Any account features that enable you to receive direct deposits, or that enable direct deposit funds to be made available to you early, are contingent upon and subject to the payor’s support of such features. 

Unless otherwise specified, all credit and deposit products are provided by Happen Bank, N.A., Member FDIC, Equal Housing Lender (“Happen Bank”), a wholly-owned subsidiary of Happen, Inc., NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit products are subject to approval, which may include credit approval. Deposit accounts are subject to approval. Deposit products are FDIC-insured up to $250,000 per depositor, per ownership category.

## Key features

- 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

## Chart rankings

- #202 in Top Free · Finance (US App Store)

## What do users think of Happen Bank?

Overall sentiment: neutral

**Pros**

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

**Cons**

- 🐛 Buggy app
- 🐛 Unreliable app performance
- 🐛 Slow transaction processing
- 🐛 Inconsistent user experience
- 🐛 Difficult to navigate
- 🐛 Lacking key features

**Commonly reported bugs**

- Account login issues
- Incorrect account balance display
- Unreliable mobile deposit functionality
- Delayed transaction updates
- Compatibility problems with newer devices

**Most requested features**

- Improve mobile deposit process
- Add Zelle integration
- Enhance transaction history and categorization
- Provide better account management tools
- Improve app responsiveness and stability

## Recent user reviews (10 of 495)

All indexed reviews: https://appshunter.io/ios/app/happen-bank/id532638447/reviews.md

### 5/5 — Grateful

*2026-08-29*

On August 11th, the area where I live was hit by a severe storm that caused significant damage throughout several surrounding cities. Many homes were destroyed, and there were widespread power outages that continued for days and ongoing. I personally remained without power for approximately 13 days.

Due to these unforeseen circumstances, I had to take this approach. Long story short, I am truly grateful for this loan, as it has helped alleviate some of the financial stress brought on by this difficult situation.

### 5/5 — Great bank

*2026-08-26, version 400000001.03720647*

Fast and easy application process

### 1/5 — Always asking to reset my password even immediately after I’ve done it

*2026-08-23, version 400000001.03720647*

I think there is something seriously wrong with the app

### 5/5 — The app is extremely easy and straight forward

*2026-08-23, version 400000001.03720647*

If you money this is a place to go obviously interest rates are gonna be higher, but if it’s emergency, this is your place to go and they have no penalty fees to pay payback

### 5/5 — Great app

*2026-08-21, version 400000001.03720647*

Very easy to use and great savings product, love to use it more.

### 1/5 — Eff Happen Bank

*2026-08-20, version 400000001.03720647*

Refused to help me even though I've been a loyal customer making all of my payments on time for at least 10yrs. They are lying on their site where they have “financial hardship? Call us to help”. Additionally my reoccurring savings transfer that I successfully cancelled and isn't even showing as active and yet the funds were still withdrawn. They also have no way of contacting them except by phone like its 1995. Srsly Lending Club & Happen Bank can eff the eff off.

### 5/5 — Quick, fast

*2026-08-20, version 400000001.03720647*

Super easy process!! Submitted the loan request on a Monday approved and received funds by Thursday! And the app makes it easy to pay

### 5/5 — Happen made it happen for me!

*2026-08-20, version 400000001.03720647*

I’ve worked extremely hard to create and maintain really good credit, but Happen was the first one (now will be the only one) who successfully managed my information into a supportive loan to comfortably replace my roof. Thank you Team Happen!

### 1/5 — Avoid this bank!

*2026-08-19, version 400000001.03720647*

What a waste of my valuable time.  This bank has been such an upsetting experience, especially as it took me time and energy for absolutely nothing.  I definitely advise everyone to avoid this bank at all costs.

### 1/5 — Smh

*2026-08-18, version 400000001.03720647*

Investigation team locked my account for three weeks bc they asked for wrong info

## Frequently asked questions about Happen Bank

### 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.

## Version history (last 5 releases)

### 400000001.03730658 — 2026-09-01

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.

### 400000001.03730655 — 2026-08-28

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.

### 400000001.03720647 — 2026-08-15

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.

### 400000001.03720641 — 2026-08-13

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.

### 400000001.03710638 — 2026-07-30

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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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-02.*