Happen Bank
Formerly LendingClub Bank
Happen Bank (formerly LendingClub Bank) — auto refinance is still offered, but underwriting criteria are not publicly disclosed.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Happen Bank does not publish this on their public site. "No restriction" means Happen Bank explicitly states no limit.
Overview
LendingClub Bank now operates as Happen Bank; lendingclub.com resolves to happen.com. The rebranded site still runs an auto refinance application flow, but it does not publish auto refi rate ranges, FICO floors, vehicle-age or mileage caps, state availability, or term limits.…
What’s great
- Auto refinance application flow is live on the Happen Bank site
What to know
- No published refi APR range, FICO floor, vehicle-age, mileage, term or state criteria
- Brand transition from LendingClub Bank to Happen Bank is recent — product pages are still changing
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | Not disclosed |
| States served | Not disclosed |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Happen Bank's own published materials. Rates, eligibility, and terms can change — verify directly with Happen Bank before applying.
- [1]Happen Bank home page — auto refinance flow live ("Lower your car payment"); personal-loan APRs published but no auto refi rate range, FICO floor, vehicle-age, mileage, term, or state criteria disclosed — Happen Bankhttps://www.happen.com/Last checked: September 2026