Happen Bank vs Prosper
Happen Bank comes out ahead of Prosper 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, 4–1 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 highest origination fee
Choose Prosper if…
- • You want Prosper's edge on how much you can borrow
Round by round
- Round 1How much you can borrowProsper winsHappen Bank5/10
Not stated
Happen Bank's personal loan page states no loan amount limits or minimum credit score
- $40,000, against $50,000
Source: globalloanadvisor.com ↗
Prosper 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 feeHappen Bank wins
Happen Bank wins this round on independent review-site data, not on its own claims.
- Round 4What customers say on TrustpilotHappen Bank winsProsper5/10
4.5 out of 5
TrustScore from 14,729 reviews on Trustpilot
- 4.5 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 5The credit score it asks forTieHappen Bank7/10
Not stated
Happen Bank's personal loan page states no loan amount limits or minimum credit score
- minimum credit score
Source: globalloanadvisor.com ↗
Nothing to separate them here.
- Round 6How many Trustpilot reviewsHappen Bank winsProsper5/10
14,729 reviews
reviews on Trustpilot, rated 4.5 out of 5
- 14,729 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
- $2,000, against $1,000
- 9.99%, against 8%
- 4.5 out of 5, against 4.7 out of 5
- 14,729 reviews, against 14,904 reviews