“We had quotes for the kitchen from three banks. Oculen was the only one that told us the monthly number before asking for anything.”
oculenDraw 01
Wedding in June$414/mo
02 — One line, many plans
One credit line.Every plan in it.
Draw what you need for each plan, when you need it. Every draw gets its own fixed payment and its own end date, so nothing blurs together.
See how draws work→03 — How a draw works
One line.Separate draws.
You're approved once for a credit line. Each time you need money for a plan, you draw part of it, and that draw gets its own fixed payment and its own end date.
- 01The card
- 02Your line
- 03A draw
- 04Its own schedule
The cardTap it anywhere. Purchases draw on your line automatically.
Your line · $25,000Approved once. It stays open, and you only pay for what you draw.
A draw · $6,500Deposit on a new flat. Moved to your bank in one business day.
Its own schedule · $316/mo24 payments at 15.1% APR, fixed. Last one Oct 2028.
05 — Check your rate
Two minutes.No change toyour score.
01
What it's for
Tell us the amount and what it's for. Income and address take one more screen.
02
A soft check
We run a soft check. Lenders can't see it, and your score doesn't move.
03
Your real rate
You see your real rate and monthly payment. Nothing happens until you accept.
Step 1 of 3How much do you need?
$6,500
What's it for?HomeMovingCarPay off cardsTravelMedical
Yearly income$68,000
Continue
Step 2 of 3Checking softly
742Before 742 · After 742
Soft check · not visible to other lenders
Step 3 of 3Your rate is ready
$6,500 · 24 months$316/mo
APR, fixed15.1%
Total you'll pay$7,572
Last paymentOct 2028
Fees$0
Accept and get funds
Offer holds for 30 days06 — Rates
Rates you canread before you ask.
Your rate depends mostly on your credit history. Here is the whole range, with what a $10,000 draw over 36 months costs in each band.
| Credit band | Score | APR, fixed | $10k · 36 mo |
|---|---|---|---|
| Excellent | 760–850 | 7.9–10.4% | $313–$325 |
| Good | 700–759 | 10.9–13.9% | $327–$341 |
| Fair | 640–699 | 14.4–19.9% | $344–$371 |
| Building | 580–639 | 20.9–29.9% | $376–$424 |
Representative example: $10,000 over 36 months at 12.4% APR fixed is 36 payments of $334.06, $12,026.05 in total. No origination or early repayment fees. Rates as of Oct 1, 2026; your rate depends on credit history, income and term.
07 — Pay off your cards
Three cards.One payment.
Today · three cards at their minimums
- Everyday card$3,40024.9% APR
- Store card$2,90027.4% APR
- Travel card$3,50029.9% APR
Monthly$265
Paid off in6 yr 11 mo
Interest$12,078
With one fixed draw
One payment, 15.0% APR fixed$340/mo36 payments · last one Oct 2029
Monthly$340
Paid off in3 yr 0 mo
Interest$2,437
Illustration using a weighted 27.4% APR across three cards paid at a fixed $265 a month, against one 36-month draw at 15.0% APR. Your numbers will depend on your balances and rate.
01
Frosted polycarbonate over a steel core · 18 g
02
No number on the front. It lives in the app, behind Face ID
03
1% back on everyday spend, paid into your line
04
Freeze it, unfreeze it or order a new one in two taps
09 — On time
A year of payments,landing when promised.
184,210members with a line open
1.28B$billion lent since 2021
99.2% of payments on time
4.8average rating, 21,400 reviews
Feb 1 · paid 8:00am$461Maya R. · Kitchen refit
Apr 1 · paid 8:01am$281Dev P. · Flights home for four
Jun 1 · paid 8:02am$340Anneke S. · Paying off three cards
Aug 1 · paid 8:03am$306Tomás L. · Deposit on a new flat
Oct 1 · paid 8:04am$229Ruth O. · Unexpected car repair
Dec 1 · paid 8:05am$198Kofi A. · A studio for the side business
Figures are illustrative for this template. Member names are fictional.
11 — Keeping it safe
Five locks.All of them on.
- 01Soft checks only
Lenders can't see your rate check. The hard pull happens once, when you accept.
- 02256-bit encryption
Your data is encrypted in transit and at rest, and never sold.
- 03Held at a partner bank
Funds are held at Harrow & Pine Bank, N.A., member FDIC.
- 04Face ID and a device key
Signing in needs your face or fingerprint and this phone.
- 05People watching for fraud
A fraud team works around the clock and calls you before it blocks anything.
12 — Questions
Asked first,
answered plainly.
The six questions people ask before they check a rate. The rest are in the help centre, and a person answers the phone until 11pm Eastern.
All questions
→
No. Checking your rate uses a soft credit check, which lenders can't see and which doesn't change your score. We only run a hard check if you accept an offer and draw money.
A loan pays out one lump sum. A line is approved once and stays open: you draw what you need, when you need it, and each draw gets its own fixed payment and end date. You pay nothing on the part you haven't drawn.
Lines range from $1,000 to $50,000. Each draw can be any amount from $500 up to what's left on your line.
Most draws arrive in your bank account the next business day. Purchases on the card draw on your line straight away.
No origination fee, no annual fee and no fee for paying early. If a payment is more than 15 days late there is a $15 late fee, and we call you before it's charged.
Yes. Every draw's APR is set on the day you draw and never changes. A later draw may have a different rate, based on your credit at the time.
Checking your rate is a soft credit inquiry. Loans and lines are issued by Harrow & Pine Bank, N.A., member FDIC, and Calder Trust Bank. Not available in all states.