Happen Bank Auto Loan Refinancing (formerly LendingClub) — Happen Bank, N.A. is a auto loan from Happen Bank, N.A.. The ongoing APR is 4.49%-24.99% (as of 10/22/2026). Typical credit limit: $4,000-$100,000. Loan terms: 24-84 months. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.