“We had quotes for the kitchen from three banks. Oculen was the only one that told us the monthly number before asking for anything.”
01 — Stories
Eight plans,
eight end dates.

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

A studio for the side business
A desk, a proper camera and a year of software. The side business paid for the draw by month five.
Lena V.
$205/mo

Unexpected car repair
The transmission went on a Tuesday. I drew $2,600 from my line on the phone in the tow truck.
Marcus J.
$235/mo
03 — A year of payments
A year of payments,landing when promised.
Figures are illustrative for this template. Member names are fictional.
04 — Your turn
Borrowed for
something good?
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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.