01 — By credit band
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.
03 — Fees
Fees we charge,
and the ones we don’t.
Fee
Oculen
Often elsewhere
Origination
$0
1%–8% of the loan
Annual
$0
$0–$95
Early repayment
$0
Up to 2%
Returned payment
$0
$15–$40
Late payment (15+ days)
$15, after a call from us
$25–$40
Foreign transaction
$0
Up to 3%
04 — Calculator
Work out a drawbefore you apply.
05 — Worked examples
What it costs,
in dollars.
Draw
Term
APR, fixed
Monthly
Total repaid
$3,000
12 months
9.2%
$262.54
$3,150.48
$10,000
36 months
12.4%
$334.06
$12,026.05
$18,500
48 months
17.2%
$534.19
$25,641.12
$25,000
60 months
24.9%
$733.36
$44,001.60
Examples assume on-time payments and no further draws. APR includes all interest; we charge no origination fee, so APR and interest rate are the same.
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.
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.