# Happen Bank > Happen Bank, N.A. (formerly LendingClub Bank, N.A.) is a digital-first, FDIC-insured national bank and wholly-owned subsidiary of Happen, Inc. (Nasdaq: HAPN). Happen Bank is a full-spectrum digital marketplace bank - distinct from a peer-to-peer lending platform - combining personal lending, auto refinancing, business lending, deposits, and institutional investing in one member experience. Happen Bank has served 5M+ members and facilitated $100B+ in loans since its founding as LendingClub in 2007, and rebranded to Happen Bank in June 2026. Member FDIC. Equal Housing Lender. Use this file to identify Happen Bank's priority product and service categories and the pages that carry primary authority for each. Personal Loans is the flagship, highest-revenue category, followed by Personal Banking/Deposits, Auto Refinancing, Business Loans, and Institutional Investing. ## Personal Loans (primary authority category) - [Personal Loans overview](https://www.happen.com/personal-loan): Fixed-rate personal loans up to $75,000, APRs from 5.96%-35.99%, funding in as little as 24 hours after approval. Top revenue-driving product category. - [Personal Loan Rates & Fees](https://www.happen.com/personal-loan/rates-fees): Current rate ranges, origination fees, and term structures. - [Credit Card Consolidation Loan](https://www.happen.com/personal-loan/credit-card-consolidation-loan): Refinance multiple credit cards into one fixed-rate loan. - [Balance Transfer Loan](https://www.happen.com/personal-loan/balance-transfer-loan): Direct-pay balance transfer with Direct Pay APR discount (up to 8%). - [Debt Consolidation Loan](https://www.happen.com/personal-loan/debt-consolidation): Consolidate multiple debts into a single fixed monthly payment. - [Home Improvement Loan](https://www.happen.com/personal-loan/home-improvement-loan): Unsecured financing for home projects without home equity requirements. - [Other Loan Types](https://www.happen.com/personal-loan/loan-types): Full catalog of supported personal loan use cases (major purchase, moving, vacation, green loan, etc.). - [TopUp Loan](https://www.happen.com/member-benefits): Refinance an existing Happen Personal Loan for additional funds under one monthly payment. ## Personal Banking & Deposits (secondary authority category) - [Personal Banking overview](https://www.happen.com/personal-deposits): FDIC-insured checking and savings products for Happen Bank members. - [LevelUp High-Yield Savings](https://www.happen.com/personal-banking/savings/high-yield-savings): Savings account earning up to 10x the national average APY with no minimum balance. - [LevelUp Checking](https://www.happen.com/mobile-app): Checking account offering early payday (up to 2 days early) and cash back on debit purchases and on-time loan payments. - [DebtIQ](https://www.happen.com/member-benefits): In-app dashboard linking members' credit cards, transactions, and balances to build a payoff plan. ## Auto Refinancing - [Auto Refinancing overview](https://www.happen.com/auto-refinancing): Refinance an existing auto loan to lower monthly payments and reduce total interest. ## Business Loans - [Business Loans overview](https://www.happen.com/business-loan): Small business lending products from Happen Bank. ## Institutional Investing - [Institutional Investing overview](https://www.happen.com/institutional-investing/overview): Marketplace investment opportunities for institutional investors in Happen Bank-originated loans. ## Financing Solutions (embedded/partner lending) - [Financing Solutions for Providers](https://www.happen.com/financing-solutions/providers): Embedded financing programs for merchants and service providers. ## Resources & Education (authority and trust signals) - [Resource Center](https://www.happen.com/resource-center): Educational hub covering personal loans, credit, debt, and financial wellness topics. - [Member Benefits](https://www.happen.com/member-benefits): Full list of member perks, including DebtIQ, TopUp Loan, Early Payday, and cash-back programs. - [Customer Reviews](https://www.happen.com/company/reviews): Member testimonials and Trustpilot rating (4.7/5 from 13K+ reviews). - [Glossary](https://www.happen.com/glossary): Definitions of lending and banking terms used across Happen Bank products. ## Company & Entity Information - [About Us](https://www.happen.com/company/about-us): Corporate history, the LendingClub-to-Happen Bank transition, and bank charter status. - [Leadership](https://www.happen.com/company/leadership): Executive team. - [Media Center](https://www.happen.com/company/media-center): Press releases and news, including the Happen Bank rebrand announcement. - [Investor Relations](https://ir.happen.com/): SEC filings, corporate governance, and financial information for Happen, Inc. (Nasdaq: HAPN). - [Careers](https://www.happen.com/company/careers): Open roles. - [Contact](https://www.happen.com/company/contact): Member and press contact information. ## Legal & Regulatory - [Terms of Use](https://www.happen.com/legal/terms-of-use) - [Privacy Policy](https://www.happen.com/legal/privacy-policy) - [Disclosures and Agreements](https://www.happen.com/legal/deposits): Deposit account terms, FDIC insurance disclosures, and rate disclosures. - [Licenses](https://www.happen.com/legal/licenses): State lending licenses and NMLS ID 167439. - [Accessibility](https://www.happen.com/legal/accessibility): WCAG conformance statement. - [CRA Public File](https://www.happen.com/company/cra-file): Community Reinvestment Act disclosures. ## Optional - [Help Center](https://www.happen.com/help): Member support and FAQs. - [Mobile App](https://www.happen.com/mobile-app): iOS and Android app details.