Loan Sense Blog2022-08-30T17:28:47-05:00

Loan Sense Blog

We know taking out a loan is a big decision, and we want to make sure you get a loan that really works for you. That’s why we provide you with the honest, clear information you need to make the right decision.

Loan Sense Blog

We know taking out a loan is a big decision, and we want to make sure you get a loan that really works for you. That’s why we provide you with the honest, clear information you need to make the right decision.

Loan Sense Blog

We know taking out a loan is a big decision, and we want to make sure you get a loan that really works for you. That’s why we provide you with the honest, clear information you need to make the right decision.

Most Popular

Wondering if a Bank is Always a Lender?

Choosing a lending institution or lending company is a big decision that could have a major impact on your interest rate, loan terms, and likelihood for approval. Get the facts before applying.

  • Importance of paying your loan off early

Importance of Paying Your Loan Off Early

A loan is a great way to get something you might not otherwise be able to afford. Regardless of the reason for borrowing money, it’s crucial that you repay your loan on time, but it's also a great idea to pay it off early if you can.

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Credit Score for a Personal Loan

When you’re looking for a personal loan, the most important thing you need to know before starting your search is your credit score. With that number, you can get a pretty good idea of whether you’ll get approved or not, as well as being prepared for a high or low interest rate.

Financial Wellness

Wondering if a Bank is Always a Lender?

Choosing a lending institution or lending company is a big decision that could have a major impact on your interest rate, loan terms, and likelihood for approval. Get the facts before applying.

  • Importance of paying your loan off early

Importance of Paying Your Loan Off Early

A loan is a great way to get something you might not otherwise be able to afford. Regardless of the reason for borrowing money, it’s crucial that you repay your loan on time, but it's also a great idea to pay it off early if you can.

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Get your money as soon as tomorrow.

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Bank of Orrick

Loans are issued and serviced by
Bank of Orrick
P.O. Box 199
Orrick, MO 64077

info@helixfi.com
800.619.5309

IMPORTANT DISCLOSURES

This is an expensive form of borrowing and it is not intended to be a long term financial solution. Please note: Helix by Bank of Orrick loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long term financial solution. Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs.

Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. Our fees are disclosed in your loan agreement. If you do not make a payment on time, we will attempt to contact you via one or more authorized methods. We adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA). Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.

As part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process. Bank of Orrick reviews your information in real-time to determine whether your information meets its lending criteria. You acknowledge that by completing and submitting the website application that you are applying for a loan. We verify applicant information through national databases, and we may pull your credit in order to determine your eligibility and ability to repay.

Availability of loans are subject to change at any time at the sole discretion of Bank of Orrick.

Helix by Bank of Orrick is a brand of Bank of Orrick. Loans are issued and serviced by Bank of Orrick.

© Copyright 2023 Helix by Bank of Orrick. All rights reserved.

Bank of Orrick

Loans are issued and serviced by
Bank of Orrick
P.O. Box 199
Orrick, MO 64077

IMPORTANT DISCLOSURES

This is an expensive form of borrowing and it is not intended to be a long term financial solution. Please note: Helix by Bank of Orrick loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long term financial solution. Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs.

Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. Our fees are disclosed in your loan agreement. If you do not make a payment on time, we will attempt to contact you via one or more authorized methods. We adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA). Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.

As part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process. Bank of Orrick reviews your information in real-time to determine whether your information meets its lending criteria. You acknowledge that by completing and submitting the website application that you are applying for a loan. We verify applicant information through national databases, and we may pull your credit in order to determine your eligibility and ability to repay.

Availability of loans are subject to change at any time at the sole discretion of Bank of Orrick.

Helix by Bank of Orrick is a brand of Bank of Orrick. Loans are issued and serviced by Bank of Orrick.

Helix
info@helixfi.com
800.619.5309

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© Copyright 2023 Helix by Bank of Orrick. All rights reserved.