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LendingClub (now Happen Bank) alternatives: 5 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rankAll personal loan apps

Top picks

Common reasons people leave LendingClub (now Happen Bank): most loans carry an origination fee of up to 8% of the amount, and top APRs reach the mid-30s for weaker credit. We ranked 5 alternatives by how directly each one replaces LendingClub (now Happen Bank), then by reviews, real visits and how recently each app's facts were checked against its own website. Prosper currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1Prosper logoProsperPaid—NoWeb5 of 568.8
2Best Egg logoBest EggPaid—NoWeb, iOS, Android5 of 557.5
3Credit Karma logoCredit KarmaFree—NoWeb, iOS, Android5 of 554.4
4Bankrate logoBankrateFree—NoWeb5 of 552.6
5Capital One logoCapital OneFree—NoWeb, iOS, Android3 of 351.2
  1. Prosper logo

    1. ProsperTop pick

    Best for: US borrowers who want a fixed-rate personal loan for debt consolidation or a one-off expense

    PaidWeb

    68.8

    score / 100

    Why switch from LendingClub (now Happen Bank)

    Another long-running online personal lender, with loans up to $50,000 and no prepayment penalty.

    Pros

    • Rate check doesn't affect your credit score
    • No prepayment penalty on personal loans
    • Funding as soon as the next business day
    • Joint applications and home equity lines also available

    Cons

    • Origination fees go up to 9.99% of the loan
    • Maximum personal loan is $50,000, lower than some rivals
    • APRs reach 35.99% for weaker credit profiles
    Visit Prosper Details and reviews
    How this score is calculated
    Editorial fit ×0.3100
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Prosper a good LendingClub (now Happen Bank) alternative?

    Verified facts

    5 of 5 verified
    Loan amounts
    $2,000–$50,000
    Checked Nov 8, 2026prosper.com(opens source in a new tab)
    APR range
    8.99%–35.99%
    Checked Nov 8, 2026prosper.com(opens source in a new tab)
    Origination fee
    1%–9.99%
    Checked Nov 8, 2026prosper.com(opens source in a new tab)
    Prepayment penalty
    None
    Checked Nov 8, 2026prosper.com(opens source in a new tab)
    Founded
    2005
    Checked Nov 8, 2026prosper.com(opens source in a new tab)
  2. Best Egg logo

    2. Best Egg

    Best for: US borrowers with fair-to-good credit consolidating card debt into one fixed monthly payment

    PaidWeb, iOS, Android

    57.5

    score / 100

    Why switch from LendingClub (now Happen Bank)

    Unsecured personal loans aimed at debt consolidation, with a quick online rate check that doesn't hurt your credit score.

    Pros

    • Rate check uses a soft pull, so shopping around doesn't hurt your score
    • Secured option can lower the rate for homeowners
    • Fixed rates and fixed terms make payments predictable

    Cons

    • Origination fee is deducted from the loan proceeds
    • Only available to borrowers in the US
    • Top APRs are high for people with weaker credit
    Visit Best Egg Details and reviews
    How this score is calculated
    Editorial fit ×0.363
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Best Egg a good LendingClub (now Happen Bank) alternative?

    Verified facts

    5 of 5 verified
    APR range
    6.99%–35.99%
    Checked Nov 8, 2026bestegg.com(opens source in a new tab)
    Origination fee
    Up to 9.99%
    Checked Nov 8, 2026bestegg.com(opens source in a new tab)
    Soft credit check
    Checking your rate won't affect your score
    Checked Nov 8, 2026bestegg.com(opens source in a new tab)
    Lender
    Cross River Bank
    Checked Nov 8, 2026bestegg.com(opens source in a new tab)
    Funding time
    1–3 business days
    Checked Nov 8, 2026bestegg.com(opens source in a new tab)
  3. Credit Karma logo

    3. Credit Karma

    Best for: US consumers who want free credit monitoring plus card and loan offers matched to their profile

    FreeWeb, iOS, Android

    54.4

    score / 100

    Why switch from LendingClub (now Happen Bank)

    Free credit scores plus personal loan offers from many lenders, so you can compare before applying.

    Pros

    • Free credit scores, reports and monitoring alerts
    • Shows estimated Approval Odds before you apply for cards and loans
    • Free federal tax filing built in
    • Banking account with no monthly fees or minimums

    Cons

    • Paid by partners, so the app is full of product offers
    • Approval Odds are estimates, not a guarantee of approval
    • State tax filing costs extra
    Visit Credit Karma Details and reviews
    How this score is calculated
    Editorial fit ×0.352
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Credit Karma a good LendingClub (now Happen Bank) alternative?

    Verified facts

    5 of 5 verified
    Founded
    2007
    Checked Nov 8, 2026creditkarma.com(opens source in a new tab)
    Members
    140 million+
    Checked Nov 8, 2026creditkarma.com(opens source in a new tab)
    Tax filing
    Free federal, $15 state
    Checked Nov 8, 2026creditkarma.com(opens source in a new tab)
    Banking fees
    No monthly fees
    Checked Nov 8, 2026creditkarma.com(opens source in a new tab)
    Lender offers
    30+ lenders
    Checked Nov 8, 2026creditkarma.com(opens source in a new tab)
  4. Bankrate logo

    4. Bankrate

    Best for: US borrowers and savers comparing mortgage, CD, savings and loan rates before picking a lender

    FreeWeb

    52.6

    score / 100

    Why switch from LendingClub (now Happen Bank)

    Compare personal loan rates across lenders before committing to one.

    Pros

    • Weekly rate surveys covering hundreds of banks and credit unions
    • Mortgage rate comparison without a credit pull
    • Broad coverage: mortgages, savings, CDs, cards and several loan types
    • Large library of calculators and lender reviews

    Cons

    • Only covers the US market
    • Paid by the lenders and issuers it lists, so rankings deserve a second look
    • No credit score or credit report monitoring of its own
    Visit Bankrate Details and reviews
    How this score is calculated
    Editorial fit ×0.346
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Bankrate a good LendingClub (now Happen Bank) alternative?

    Verified facts

    5 of 5 verified
    Founded
    1982
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Lenders surveyed
    850+ banks and credit unions every week
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Credit check for mortgage quotes
    No credit pull required
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Business model
    Not a bank or lender
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Owner
    Red Ventures
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
  5. Capital One logo

    5. Capital One

    Best for: US customers who want fee-free online checking and a credit card from the same bank

    FreeWeb, iOS, Android

    51.2

    score / 100

    Why switch from LendingClub (now Happen Bank)

    For the banking side: fee-free checking and savings from a large bank with branches.

    Pros

    • 360 Checking has no monthly fees, minimums or overdraft fees
    • 70,000+ fee-free ATMs across Capital One, MoneyPass and Allpoint
    • App covers card lock, credit score (CreditWise) and subscription management
    • Wide choice of credit cards alongside the bank accounts

    Cons

    • Only available to US residents
    • Few physical branches outside certain regions
    • No multi-currency accounts for holding foreign money
    Visit Capital One Details and reviews
    How this score is calculated
    Editorial fit ×0.341
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Capital One a good LendingClub (now Happen Bank) alternative?

    Verified facts

    3 of 3 verified
    Fee-free ATMs
    70,000+
    Checked Nov 8, 2026capitalone.com(opens source in a new tab)
    Card lock
    Yes, in the app
    Checked Nov 8, 2026capitalone.com(opens source in a new tab)
    Customers
    100 million+
    Checked Nov 8, 2026capitalone.com(opens source in a new tab)

The best LendingClub (now Happen Bank) alternative for…

The highest-ranked app in this list for each need.

Prosper logo

Best LendingClub (now Happen Bank) alternative for most people

Prosper

Another long-running online personal lender, with loans up to $50,000 and no prepayment penalty.

Credit Karma logo

Best LendingClub (now Happen Bank) alternative for a free option

Credit Karma

Free credit scores plus personal loan offers from many lenders, so you can compare before applying.

Best Egg logo

Best LendingClub (now Happen Bank) alternative for iPhone and Android

Best Egg

Unsecured personal loans aimed at debt consolidation, with a quick online rate check that doesn't hurt your credit score.

Bankrate logo

Best LendingClub (now Happen Bank) alternative for working in the browser

Bankrate

Compare personal loan rates across lenders before committing to one.

LendingClub (now Happen Bank) alternatives: common questions

What is the best alternative to LendingClub (now Happen Bank)?

Prosper ranks first right now. Another long-running online personal lender, with loans up to $50,000 and no prepayment penalty. Best Egg and Credit Karma follow it in our ranking.

LendingClub (now Happen Bank) vs Prosper: what's the difference?

Both LendingClub (now Happen Bank) and Prosper are paid products. Only LendingClub (now Happen Bank) runs on iOS and Android.

Is LendingClub (now Happen Bank) free?

LendingClub (now Happen Bank) is a paid product. Loan amounts: $1,000–$75,000. Checked on LendingClub (now Happen Bank)'s own site, November 2026.

Is there a free alternative to LendingClub (now Happen Bank)?

Yes. Credit Karma (free), Bankrate (free) and Capital One (free) have a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to LendingClub (now Happen Bank)?

None of the 5 alternatives in this list is open source.

Why do people switch from LendingClub (now Happen Bank)?

The complaints we hear most: most loans carry an origination fee of up to 8% of the amount; top APRs reach the mid-30s for weaker credit; the rename to Happen Bank may confuse people searching for LendingClub.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces LendingClub (now Happen Bank), reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.