LendingClub (now Happen Bank)

LendingClub's personal loans now sit under the name Happen Bank, and the lender's own rates page is titled "Happen Bank, formerly LendingClub". On paper it is the most flexible menu on this list: loans from $1,000 to $75,000, terms from 24 to 84 months, and a published APR range that starts at 5.96%, the lowest floor on this list. The catch is that the same range tops out at 35.99%, so the headline rate says little about what a typical applicant will pay. Fees are the other half of the price. Happen Bank charges a one-time origination or processing fee of 0.00% to 8.00% of the loan amount, set by your credit rating and charged only when you receive the loan. Its own example shows how that lands: a borrower receives a loan of $15,262 over 36 months at a 13.99% interest rate, pays a 6% fee of $916, and ends up with an 18.40% APR, $14,346 in hand and 36 payments of $522. There is no prepayment penalty, and a 15-day grace period applies before a late fee or other penalty. Read the dates. The lender prints that its rates are valid as of July 6, 2026 and may change without notice, so the range above was more than three months old on the day we checked it. The page also says some amounts, rates and term lengths may be unavailable in certain states, and it does not publish a minimum credit score or say whether checking your rate uses a soft inquiry. Compare the offer you actually receive, not the range.