01 — Calculator
Work out a drawbefore you apply.
02 — Real plans
What members
borrow for.
Kitchen refit
We had quotes for the kitchen from three banks. Oculen was the only one that told us the monthly number before asking for anything.
Maya R.
$507/mo
Paying off three cards
Three cards, three due dates, three apps. Now it's one payment on the 1st and I know the date it ends.
Anneke S.
$340/mo
Flights home for four
My dad turned seventy in Lagos. Four flights in August, paid off by the following summer.
Dev P.
$289/mo
Deposit on a new flat
The landlord wanted two months up front. The money was in my account the next morning.
Tomás L.
$316/mo
A 1968 coupe, restored
It took eleven years and one very patient mechanic. The loan took four minutes.
Ruth O.
$556/mo
The sofa you wanted
I'd been sitting on a broken futon for six years. The sofa arrived before my first payment did.
Kofi A.
$262/mo
All member stories
→
03 — 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
04 — Consolidate
Three cards.One payment.
- Everyday card$3,40024.9% APR
- Store card$2,90027.4% APR
- Travel card$3,50029.9% APR
Illustration using a weighted 27.4% APR across three cards paid at a fixed $265 a month, against one 36-month draw at 15.0% APR. Your numbers will depend on your balances and rate.
05 — 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.
06 — Eligibility
Who can
check a rate.
01
18 or older
And a US citizen or permanent resident with a Social Security number.
02
A regular income
From a job, self-employment, a pension or benefits. We’ll ask for the yearly total.
03
A US bank account
In your name, for the money to arrive in and payments to come from.
04
Live where we lend
We lend in 44 states and DC today. The rate check tells you straight away.
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.
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.