01 — Latest
Just
published.
02 — Everything
All
articles.
Credit
3 min
Soft check or hard check: what lenders can see
Checking your rate shouldn't cost you points. Here is the difference between the two kinds of credit check, and when each one happens.
Guides
5 min
How to pay off three cards without a fourth
Consolidating only works if the cards stay paid off. A short plan for the day after you move the balances.
Company
4 min
Why we don't charge fees
No origination fee, no early repayment fee, no annual fee. How a lender makes money without them.
Guides
6 min
A line of credit, explained with a kitchen
A loan gives you one lump sum. A line lets you draw when you need to. What that looks like when a builder asks for money in three stages.
Product
3 min
The card, in 18 grams
Frosted polycarbonate, a steel core and no number on the front. Notes from designing the card.
Company
7 min
Our first annual report on repayments
99.2% of payments on time, what happens when someone falls behind, and what we changed this year.
03 — Guides
Start with
the guides.
Guides
4 min
What APR actually means, in one page
Interest rate, APR, fixed, variable: the four words that decide what a loan costs, explained without the small print.
Guides
5 min
How to pay off three cards without a fourth
Consolidating only works if the cards stay paid off. A short plan for the day after you move the balances.
Guides
6 min
A line of credit, explained with a kitchen
A loan gives you one lump sum. A line lets you draw when you need to. What that looks like when a builder asks for money in three stages.
04 — Today's 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.
05 — Once a month
One email,
the first of the month.
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.