01 — Check your rate
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.
02 — Line and draws
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
03 — The timeline
What happens,
and when.
Day 0 · 2 min
Check your rate
Soft check, real offer. Nothing is recorded that other lenders can see.
Day 0 · 1 min
Accept and draw
Choose the amount and term. This is when the hard check happens.
Day 1
Money arrives
In your bank account by the next business day, or on the card straight away.
Every month
One fixed payment
On the date you picked. Move it once a month, free, in the app.
04 — On time
A year of payments,landing when promised.
Figures are illustrative for this template. Member names are fictional.
05 — Security
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.
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.
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.