Happen Bank Personal Loan
Happen Bank (formerly LendingClub) offers joint applications that can help immigrants with a US-based cosigner access better loan terms.
Last checked on September 4, 2026. We may earn a commission when you click through.
Happen Bank Personal Loan
Updated 1 month agoAPR Range
6.53–35.99%
Amount
$1k–$40k
Term
24–60 months
Type
personal
You'll be redirected to happenbank.com
Our Verdict
Happen Bank's key advantage for immigrants is the co-borrower option. A US citizen or permanent resident co-borrower can dramatically improve approval odds and lower rates for newcomers building credit. The direct credit card payoff feature also helps with debt consolidation.
Best For
Immigrants who have a US-based cosigner or spouse willing to co-borrow, or permanent residents with established banking relationships
Pros
- Joint/co-borrower applications — great for newcomers with a US-based partner
- APR from 6.53%
- Direct credit card payoff option saves up to 8% on APR
- 2% cash back on timely payments
- FDIC-insured bank (formerly LendingClub)
Cons
- SSN required — no ITIN option
- Limited visa holder eligibility details on website
- Maximum loan $40,000
- Origination fee may apply
- Less transparent about specific visa acceptance
About This Loan
Requirements
- SSN required
- Joint/co-borrower applications available
- Permanent residents eligible
- US address and bank account
- Minimum income requirements apply
Similar options
NetCredit Personal Loans
PersonalAPR
34.0–36%
Amount
$1k–$10k
Term
6–60mo
Best for: This service is best for individuals needing immediate financial assistance and who may have trouble qualifying with other lenders.
APR
6.74–25.99%
Amount
$3k–$100k
Term
12–84mo
Best for: Existing Wells Fargo customers who have an ITIN and at least fair credit
Discover Personal Loans
ConsolidationAPR
7.99–24.99%
Amount
$2.5k–$40k
Term
36–84mo
Best for: These loans are best for individuals looking to consolidate debt, improve their homes, or cover unexpected medical expenses without incurring origination fees.
APR
8.99–35.99%
Amount
$5k–$50k
Term
24–60mo
Best for: Immigrants with SSN and established credit (620+) looking for larger loan amounts
SoFi Debt Consolidation Loan
ConsolidationAPR
7.74–35.49%
Amount
$5k–$100k
Term
24–84mo
Best for: This loan is ideal for borrowers with a solid credit score looking to simplify their payments without incurring additional fees.
LendingClub Debt Consolidation Loan
ConsolidationAPR
5.96–35.99%
Amount
$1k–$40k
Term
24–60mo
Best for: Best for borrowers with a credit score of at least 600 seeking fast approval and funding.