# Happen Bank vs LendingTree

Happen Bank and LendingTree both sit at 4.8 stars, but that hides the real split: 71% of Happen Bank's written reviews are positive against 50% of LendingTree's. Happen Bank also leads on device support (3 vs 1) and iOS requirement (15.0 vs 17.5). LendingTree's advantage is ratings volume (38K vs 9.7K). On price, rating, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.8 for Happen Bank against 4.8 for LendingTree. Both are backed by a comparable volume of ratings — 9.7K and 38K respectively. Written reviews are what separate them: 71% of Happen Bank's written reviews are positive against 50% of LendingTree's.

Happen Bank ships an update every 10 days, LendingTree fortnightly. Both last shipped on November 6, 2026.

## The numbers

| Metric | Happen Bank | LendingTree |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (9.7K ratings)](https://appshunter.io/ios/app/happen-bank/id532638447/reviews) | **[4.8 (38K ratings)](https://appshunter.io/ios/app/lendingtree/id957868548/reviews)** |
| Number of ratings | 9.7K | **38K** |
| Positive reviews | **71.3% of reviews** | 50.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 10 days** | Fortnightly |
| Monetization | Free | Free |
| Size | 131 MB | 59 MB |
| Requires iOS | **15.0** | 17.5 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Happen, Inc](https://appshunter.io/developer/1194703486) | [LendingTree](https://appshunter.io/developer/351438624) |

## What reviewers say

### Happen Bank

[App page](https://appshunter.io/ios/app/happen-bank/id532638447)

A digital banking platform that consolidates borrowing, checking, and savings into a single, intuitive experience. Make quick financial decisions, track loan progress, and work towards your goals with interest-earning accounts and tools to help you save and earn more.

**Highlights:** Consolidated banking accounts and loans, Loan pay-down progress tracking, Interest-earning savings accounts, Rewards checking accounts, Credit card aggregation, Secure money transfers

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 🚀 Convenient banking
- 🚀 Seamless experience
- 🚀 Intuitive interface
- 🔒 Secure banking

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

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


### LendingTree

[App page](https://appshunter.io/ios/app/lendingtree/id957868548)

Understand your credit, track financial rates, and shop for loans and cards from a vast network of lenders. Get personalized offers and instant alerts to stay ahead of fraud and make smarter financial decisions.

**Highlights:** Full financial picture in one view, Credit score monitoring and insights, Rate tracking for loans and cards, Personalized loan and card offers, Instant credit monitoring alerts, Fraud protection

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 💯 Excellent credit monitoring and reporting
- 💳 Helpful in getting approved for credit cards and loans
- 📈 Useful for improving and tracking credit score
- 💰 Provides valuable financial insights and savings opportunities

**What reviewers complain about**

- 🐛 Login and account verification issues
- 🔄 Inaccurate or outdated account and credit information
- 📞 Excessive sales calls and spam after signing up
- 🔍 Limited integration with financial institutions

**Reported bugs**

- App crashes and freezes during login and usage
- Inconsistent credit score reporting compared to other services
- Inability to properly configure loan and credit card preferences

**Requested features**

- Manual account and credit information updates
- Option to delete account information instead of just deactivating
- Better notification settings to control sales calls and emails


## Frequently asked questions

### Is Happen Bank free?

Happen Bank is free to download, with no in-app purchases.

### Is LendingTree free?

LendingTree is free to download, with no in-app purchases.

### Which has better reviews, Happen Bank or LendingTree?

LendingTree is rated higher. Happen Bank averages 4.8 out of 5 from 9.7K ratings, while LendingTree averages 4.8 from 38K ratings.

### Do Happen Bank or LendingTree have ads?

Neither Happen Bank nor LendingTree shows ads.

### Which is updated more often, Happen Bank or LendingTree?

Happen Bank ships an update every 10 days, and LendingTree fortnightly. Most recently, Happen Bank was updated on November 6, 2026 and LendingTree on November 6, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*