Happen Bank vs LightStream
Happen Bank comes out ahead of LightStream on 4 of the 6 things that decide this, going by what each company publishes and what independent review sites report. The one that matters for you may be one the leader loses.
The verdict
Happen Bank takes it, 4–2 on rounds.
On the published figures and the independent review sites, Happen Bank takes 4 of 6 rounds. Treat that as a starting point and check the current figures on both pages, because prices and plans move.
Choose Happen Bank if…
- • You want Happen Bank's edge on the smallest loan and the credit score it asks for
Choose LightStream if…
- • You want LightStream's edge on how much you can borrow and the highest origination fee
Round by round
- Round 1How much you can borrowLightStream winsHappen Bank5/10
Not stated
Happen Bank's personal loan page states no loan amount limits or minimum credit score
- $40,000, against $100,000
Source: globalloanadvisor.com ↗
LightStream wins this round on independent review-site data, not on its own claims.
- Round 2The smallest loanHappen Bank winsHappen Bank8/10
Not stated
Happen Bank's personal loan page states no loan amount limits or minimum credit score
- the smallest loan
Source: globalloanadvisor.com ↗
Happen Bank wins this round on independent review-site data, not on its own claims.
- Round 3The highest origination feeLightStream winsHappen Bank5/10
8%
top of the origination fee range
- 8%, against No origination fee
Source: lendingtree.com ↗
LightStream wins this round on independent review-site data, not on its own claims.
- Round 4The credit score it asks forHappen Bank winsHappen Bank8/10
Not stated
Happen Bank's personal loan page states no loan amount limits or minimum credit score
- minimum credit score
Source: globalloanadvisor.com ↗
LightStream5/10Good-to-excellent credit
no minimum score published; good-to-excellent credit required
- 660, against 600
Source: lightstream.com ↗
Happen Bank wins this round on independent review-site data, not on its own claims.
- Round 5What customers say on TrustpilotHappen Bank winsLightStream5/10
1.5 out of 5
TrustScore from 119 reviews on Trustpilot
- 1.5 out of 5, against 4.7 out of 5
Source: trustpilot.com ↗
Happen Bank wins this round on independent review-site data, not on its own claims.
- Round 6How many Trustpilot reviewsHappen Bank winsLightStream5/10
119 reviews
reviews on Trustpilot, rated 1.5 out of 5
- 119 reviews, against 14,904 reviews
Source: trustpilot.com ↗
Happen Bank wins this round on independent review-site data, not on its own claims.
Side by side
- the smallest loan
- minimum credit score
- $40,000, against $75,000
- 600, against No minimum
- 4.7 out of 5, against 4.9 out of 5
- 14,904 reviews, against 73,139 reviews
- 1.5 out of 5, against 4.3 out of 5
- 119 reviews, against 13,970 reviews
- $5,000, against $1,000
- 660, against 600