What happens next
01
We check softly
Your score doesn’t move and other lenders can’t see it.
02
You see real numbers
Rate, monthly payment, total cost and the date of your last payment.
03
You decide
Accept within 30 days, or walk away. Nothing is owed until you draw.
What you'll see
Two minutes.No change toyour score.
Tell us the amount and what it's for. Income and address take one more screen.
We run a soft check. Lenders can't see it, and your score doesn't move.
You see your real rate and monthly payment. Nothing happens until you accept.
Before you start
Four things
we promise.
Promise 01
No hard check to look
Only if you accept and draw.
Promise 02
No fees to open
Or to hold a line, or to repay early.
Promise 03
A fixed rate per draw
Set on the day you draw, never changed.
Promise 04
A person answers
7am to 11pm Eastern, every day of the year.
Questions
Before you
check.
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.
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.
Most members have a score of 640 or higher, but we look at income and history too. Checking costs nothing and doesn't affect your score.
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.