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.

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✓ 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
Representative APR Amount Term Type
6.53–35.99% $1k–$40k 24–60 mo personal
Best For

Immigrants who have a US-based cosigner or spouse willing to co-borrow, or permanent residents with established banking relationships

Pros & Cons

Pros
  1. ✓ Joint/co-borrower applications — great for newcomers with a US-based partner
  2. ✓ APR from 6.53%
  3. ✓ Direct credit card payoff option saves up to 8% on APR
  4. ✓ 2% cash back on timely payments
  5. ✓ FDIC-insured bank (formerly LendingClub)
Cons
  1. ✗ SSN required — no ITIN option
  2. ✗ Limited visa holder eligibility details on website
  3. ✗ Maximum loan $40,000
  4. ✗ Origination fee may apply
  5. ✗ Less transparent about specific visa acceptance

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