Make it happen

We clear the way for people going places — for our members and ourselves. Join us in moving people forward.

Banking that clears the way

We started as LendingClub. Twenty years later, we’re Happen Bank: a digital bank built for people who know that real life doesn't leave room for banking complexity. Five million members strong, we deliver award-winning products that help people keep more of what they earn, earn more on what they save, and take real steps toward achieving their goals.

Progress isn’t incidental to what we do. It’s the whole point. We relentlessly pursue banking innovation that turns intention into action, action into momentum, and momentum into meaningful progress — for our members and every person on our team.

Who we are

At Happen Bank, we bring together the best minds from across tech, finance, and beyond – because great ideas come from different ways of thinking. Happeners are smart, curious, low-ego people who are committed to doing right by our members and each other. Bold ideas are welcome here — along with the humility and iteration it takes to get them right. We listen as much as we talk, challenge and encourage each other, and push for better every day. If you're motivated by meaningful progress, you'll find your people here.

Benefits to move you forward

We invest in the people who power our mission — with benefits designed to support your whole life, not just your work life.

Time & Flexibility

• Untracked time off for salaried employees – take it when you need it
• Generous paid time off for hourly team members
• Hybrid work model that supports collaboration and flexibility
• Up to 16 weeks paid parental leave
• Phased return-to-work policy for qualified leaves
• Up to 2 weeks of “pawternity” work-from-home flexibility for eligible employees

Health & Wellness

• Leading health, dental, and vision programs
• Generous and varied mental health benefits
• Wellness program with up to $750/year cash incentives
• Mothers rooms with hospital-grade pumps in every office
• Onsite gym and lockers (SF & Lehi)

Financial

• Competitive salary and performance bonus
• 401(k) matching
• Short and long-term disability benefits
• Transit benefits
• Employee assistance program

Culture & Community

• Paid volunteer time and donation matching
• Employee resource groups for diverse communities
• Perks with Andytown Coffee Roasters (SF) and stocked pantries (all offices)
• Technology-forward, collaborative office spaces

Where we work

San Francisco, CA

88 Kearny Street, Suite 600

San Francisco, CA 94108

Lehi, UT

2701 N. Thanksgiving Way, Suite 300

Lehi, UT 84043

Boston, MA

1 Harbor Street, Suite 200

Boston, MA 02210

New York, NY

575 Fifth Ave, 30th Floor

New York, NY 10017

88 Kearny Street, Suite 600

San Francisco, CA 94108

For Personal Loans, APR ranges from 5.96% APR to 35.96% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of July 06, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $15,262 for a term of 36 months, with an interest rate of 13.99% and a 6% origination fee of $916, for an APR of 18.40%. In this example, the borrower will receive $14,346 and will make 36 monthly payments of $522. Loan amounts range from $1,000 to $75,000 and loan term lengths range from 24 months to 84 months. Some amounts, rates, and term lengths may be unavailable in certain states, and may not be available for all Personal Loan products and/or through all application channels or platforms.

Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history.

Unless otherwise specified, all credit and deposit products are provided by Happen Bank, N.A., Member FDIC, Equal Housing Lender (“Happen Bank”), a wholly-owned subsidiary of Happen, Inc., NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit products are subject to approval, which may include credit approval.

Our mailing address is: Happen Bank, N.A., 88 Kearny Street, Suite 600, San Francisco, CA 94108.

“Happen” and the “H” symbol are trademarks of Happen Bank.

© 2026 Happen Bank. All rights reserved.