01 — Talk to a person
Three ways
to reach us.
In the app · 2 min wait
Chat
Open the app and tap Help. You can send photos of documents and pick up where you left off.
7am–11pm ET
(800) 555-0147
Press 1 for your account, 2 for a new rate check, 3 to report a lost card.
Reply within a day
help@oculen.example
For anything that needs a paper trail: complaints, hardship requests or account letters.
24 hours
Fraud line
(800) 555-0199. If something looks wrong, call first. We’ll freeze the card while we look.
02 — Loans and draws
Loans and
draws.
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.
Yes, any time, in full or in part, with no fee. Paying early reduces the interest you pay.
03 — Rates and fees
Rates and
fees.
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.
04 — The card
The
card.
The card spends from your line. At the end of each month, card purchases become one draw with a fixed payment you choose, from 3 to 24 months.
No. The card number, expiry and security code live in the app, behind Face ID or your passcode. You can view or change them in seconds.
Freeze it in the app with one tap, then order a replacement. A new card arrives in 3 to 5 business days, and you can use the virtual card straight away.
Anywhere cards are accepted, in person and online, in the US and abroad. We don't charge foreign transaction fees.
05 — Your account
Your
account.
Lines and draws are issued by Harrow & Pine Bank, N.A., member FDIC, and in some states by Calder Trust Bank. Oculen provides the app, the card and the service.
Data is encrypted in transit and at rest, signing in needs Face ID or a device key, and we never sell your information. A fraud team monitors accounts around the clock.
Yes. Move your payment date once a month in the app, free. The new date applies from your next payment.
Call or message us from the app 7am to 11pm Eastern, every day. The current wait time is shown before you start.
06 — If money gets tight
Call us before
you miss a payment.
Read the hardship guide
→
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.