Finovate Awards 2026 Winner: Happen Bank

Happen Bank™ (formerly LendingClub Bank) exists to clear the way for people to make it happen. We're a digital bank built for the Motivated Middle: high-FICO, high-income, digitally savvy consumers who are actively managing their financial lives. We offer smart, transparent, and trusted products — unsecured personal loans, home improvement loans, auto refinance loans, and award-winning banking accounts — that make it fast and easy for members to achieve their important goals, while also rewarding them for their smart money moves.

Members who use our personal loans for debt consolidation save 700bps (or 7 percentage points) in interest on average vs. their credit cards. Our LevelUp Savings account pays 10 times the national average APY when members save $250 each month. And our LevelUp Checking account offers cash back for gas, grocery, and pharmacy purchases, and is the first product in market to offer cash back for on-time loan payments.

That's all made possible by: advanced underwriting models that have delivered credit performance roughly 40% better than our competitive set for more than five years running; a fully owned experiential tech stack allows us to deliver custom experiences to our members and quickly onboard new partners; and a marketplace bank model combines the best of fintech and banking to deliver compelling value for members, loan investors, and shareholders alike.