Happen Bank

Happen Bank

Formerly LendingClub

8.3K ratings
449 reviews
Free

Details

  • Released
  • Updated
  • June 11, 2012
  • July 18, 2026

Features

Happen Bank screenshot #1 for iPhone
Happen Bank screenshot #2 for iPhone
Happen Bank screenshot #3 for iPhone
Happen Bank screenshot #4 for iPhone
Happen Bank screenshot #5 for iPhone
Happen Bank screenshot #6 for iPhone
Happen Bank screenshot #7 for iPhone
iphone
ipad
🖼️Get Icon
Icons↘︎

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
Show original description

What users say

See all reviews
+1

What's New in Happen Bank

400000001.03700628

July 18, 2026

We’ve got a new name and a new look. Happen Bank, formerly LendingClub, is a full-service digital bank built to clear the way for people going places. Thanks for being here. We're always making updates to our app to ensure your experience is seamless. Turn on auto updates to make sure you have the latest version.

More

User reviews

Too much trash

Most of the app is trying to sell you something. This back used to be great. With each name change the service has gotten worse. I would check out Ally for a better experience.

No help

I’ve been with lending club (now happen bank) for years. Always in good standing. I was hit by a car on my bicycle which has left me with little income while I’m unable to work for the next three months. I’m confused why I’d be denied hardship help with a perfect track record.

It Sucks

Attempt to connect bank account through plaid and somehow got incorrect account number. I never set up anything on auto pay but the app is trying to force it to an incorrect bank account that it won’t let me delete. Tried using pay pal option but the screen whites out every time and never connects. I finally was able to connect correct bank account manually and submit payment but we will see. I still haven’t been able to delete the incorrect info off of the auto pay I never selected. This app is garbage
Show more

Trash

They canceled my auto pay when the switch from leading club to happen bank and I don’t get that notice till 6 days after my due date

Best banking out there thank you!

I’ve had a great experience using Happn Bank (LendingClub). The app is fast, reliable, and very easy to navigate. Managing my account, checking balances, transferring money, and viewing transactions is simple, and everything is laid out in a way that makes sense. I also appreciate that the app feels secure while still being quick and convenient to use.

The only improvements I’d like to see are more customizable notifications, built-in budgeting and savings tools, spending insights, subscription tracking, a credit score dashboard, and 24/7 live chat support. Adding more detailed transaction information and allowing users to customize their home screen would also make the experience even better.

Overall, this is one of the better banking apps I’ve used. It works well, is dependable, and makes everyday banking easy. With a few added features, I think it could easily become one of the best banking apps available.
Show more

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.