LendingClub Personal Loan Fair Credit — Happen Bank, N.A.
LendingClub Personal Loan Fair Credit — Happen Bank, N.A. is a personal loan from Happen Bank, N.A.. The annual fee is $0. The ongoing APR is 5.96% to 35.99%. Approval typically requires a credit score of 600 or higher. Typical credit limit: $1,000 to $75,000. Funding speed: in as little as 24 hours. Loan terms: Terms of 24 to 84 months. This product reports activity to your personal credit report. Joint and co-borrower applications allowed. Origination fee 3%-8%. Direct creditor payment option. Terms 2-5 years.
Sources & citations
Apply link, Lender name, Loan terms, Issuer, APR, Product type, Other conditions, Credit limit / amount, Documents required, Business type, How to apply, Eligibility: https://www.happen.com/personal-loan?b=lc (checked 2026-10-14)
Annual fee, Underwriter, Where it's offered, Funding speed, Credit score, bureau pull detail, Business credit check, Personal guarantee, Reports to personal credit, Collateral, Credit check, Pre-qualification, Personal credit check: https://www.lendingclub.com/personal-loan