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Free LendingClub (now Happen Bank) alternatives: 3 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rank

3 of the 5 LendingClub (now Happen Bank) alternatives we track can be used for free (free, open source, or with a free plan). Credit Karma, Bankrate and Capital One rank highest, with facts last verified Nov 8, 2026.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1Credit Karma logoCredit KarmaFree—NoWeb, iOS, Android5 of 554.4
2Bankrate logoBankrateFree—NoWeb5 of 552.6
3Capital One logoCapital OneFree—NoWeb, iOS, Android3 of 351.2
  1. Credit Karma logo

    1. Credit KarmaTop pick

    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)
  2. Bankrate logo

    2. 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)
  3. Capital One logo

    3. 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)