01
Who lends to you
Oculen, Inc. is a financial technology company, not a bank. Lines of credit, draws and the Oculen card are issued by Harrow & Pine Bank, N.A., Member FDIC, and in some states by Calder Trust Bank.
Oculen services your account on behalf of the issuing bank: we run the app, send your statements and answer the phone. Your agreement names the issuing bank for your state.
02
Rates and fees
APRs range from 7.9% to 29.9% fixed. The rate for each draw is set on the day you draw and does not change. Your rate depends on your credit history, income, the amount and the term.
Representative example: $10,000 over 36 months at 12.4% APR is 36 payments of $334.06, $12,026.05 in total.
We charge no origination, annual, early repayment, returned payment or foreign transaction fees. A $15 late fee applies to payments more than 15 days late.
03
Credit checks
Checking your rate uses a soft credit inquiry, which does not affect your credit score and is not visible to other lenders.
If you accept an offer and draw funds, we make a hard inquiry with one or more credit bureaus. We report your payments to the major bureaus each month.
04
Your data
We collect what we need to check your rate, open your account, stop fraud and meet our legal obligations. We never sell your personal information.
Data is encrypted in transit and at rest. You can ask for a copy of your data, or ask us to delete it where the law allows, from Settings in the app.
05
Accessibility
We aim to meet WCAG 2.2 AA across the site and app. Every interactive element works with a keyboard and screen reader, and animation respects your device’s reduced-motion setting.
If something doesn’t work for you, call (800) 555-0147 or write to access@oculen.example and we’ll fix it or help another way.
06
Licences and complaints
Oculen is licensed or exempt from licensing as a lender or loan servicer in the states where we operate. NMLS ID 2604177.
To make a complaint, call us or write to complaints@oculen.example. If we can’t resolve it within 15 business days, you can contact your state regulator or the Consumer Financial Protection Bureau.
Oculen, Harrow & Pine Bank and Calder Trust Bank are fictional names used in this website template.
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.