Happen Bank, formerly LendingClub, is a financial services brand offering personal and business banking, lending, and financial tools. Its personal loans can help customers consolidate debt, pay down credit cards, refinance auto loans, or cover major expenses, including home improvements and health and wellness costs. The bank also provides LevelUp Checking and Savings accounts, certificates of deposit, and business financing, including small business and SBA loans. For investors, it offers institutional investing services.

Happen Bank brings borrowing, banking, and money-management features together through a mobile app. Customers can check personal loan rates without affecting their credit score, and eligible applicants may receive funding quickly. Savings customers can qualify for a higher LevelUp Savings rate by meeting deposit requirements, while account holders can access features such as early direct deposit and cash back on qualifying purchases or loan payments. Additional tools include DebtIQ, which helps users view linked credit card balances and transactions, and TopUp Loan, which can provide access to additional funds when refinancing an existing Happen personal loan.