Frequently Asked Questions2024-10-04T14:20:57-05:00

Frequently Asked Questions

Lines of Credit
What are the interest rates on a Helix line of credit?2023-06-15T13:11:57-05:00

Interest rates are based on a number of factors, including credit score and payment history. This rate is disclosed on your loan agreement for you to review.

It’s also important to know that you only pay interest on your outstanding balance. To lower the overall amount of interest you pay, we encourage you to make more than the minimum payment when possible.

Are there any annual fees on a Helix line of credit?2023-06-15T13:48:33-05:00

No, there are no annual fees with a Helix line of credit. You are only charged interest based on your outstanding balance.

How do I access my account online?2023-03-14T15:13:39-05:00

Through your online client portal, you can view your payment history, outstanding balance, and scheduled upcoming payments. Within your portal, you can also make additional payments toward principal or pay off your balance at any time without a pre-payment fee or penalty.

How to Access Your Account

If you are a current client, you can access your account at secure.helixfi.com/login, with the email address used on your application.

If you have trouble accessing your account online or would like to speak with a loan advisor, email info@helixfi.com or call 800.619.5309, 8am-5pm Central Time, Monday-Friday.

How do I make payments?2024-10-04T14:45:33-05:00

Automatic and Online Payments (Recommended)
Making automatic payments with ACH withdrawal through your bank is the safest way to ensure your payments are received on time and that you don’t accrue late fees or go into default. You can also make additional payments on principal or pay off your balance in full (with no penalty) anytime through your client portal at secure.helixfi.com/login.

Alternative Methods of Payment
If you do not wish to pay via automatic withdrawal, you have the option of paying via debit card, check, or money order. If sending your payments in the form of check via the mail, please provide plenty of time to ensure your payments arrive at our office in advance of the payment due date.

Send mail-in payments to:

TBO Bank
Attn: Helix
P.O. Box 199
Orrick, MO 64077

If you are concerned about not being able to make a payment on time, please contact us to discuss your options.

How do I change my bank account?2023-06-15T13:27:21-05:00

If you are an existing customer, you can add a new payment method online through your Client Portal. You can log in to your portal at secure.helixfi.com/login.

Installment Loans
How long do I have to pay off my installment loan?2024-03-22T15:49:09-05:00

Loans are paid over time with payments due according to your pay cycle. There is no fee or penalty for early repayment.

What are the interest rates on a Helix installment loan?2024-03-22T15:49:55-05:00

Interest rates vary based on a number of factors, including credit score and payment history. This rate is disclosed on your loan agreement for you to review.

You can pay back your loan at any time without penalty, and paying early significantly reduces the total cost of your loan.

How can I lower the amount of interest paid?2024-03-22T15:52:16-05:00

There are no fees or penalties for paying your loan off early. In fact, we encourage you to make additional payments whenever possible. The sooner you pay your loan in full, the more you save.

How do I access my account online?2023-03-14T15:13:39-05:00

Through your online client portal, you can view your payment history, outstanding balance, and scheduled upcoming payments. Within your portal, you can also make additional payments toward principal or pay off your balance at any time without a pre-payment fee or penalty.

How to Access Your Account

If you are a current client, you can access your account at secure.helixfi.com/login, with the email address used on your application.

If you have trouble accessing your account online or would like to speak with a loan advisor, email info@helixfi.com or call 800.619.5309, 8am-5pm Central Time, Monday-Friday.

Is there a penalty or fee for early payment?2024-03-22T15:44:08-05:00

We never charge fees or penalties for making additional payments, which is why most of our borrowers end up paying off their loans well in advance. By paying early, you can significantly reduce the amount of interest you pay.

You can make additional payments on principal or pay off your balance in full (with no penalties or fees) anytime through your client portal at secure.helixfi.com/login.

How do I make payments?2024-10-04T14:45:33-05:00

Automatic and Online Payments (Recommended)
Making automatic payments with ACH withdrawal through your bank is the safest way to ensure your payments are received on time and that you don’t accrue late fees or go into default. You can also make additional payments on principal or pay off your balance in full (with no penalty) anytime through your client portal at secure.helixfi.com/login.

Alternative Methods of Payment
If you do not wish to pay via automatic withdrawal, you have the option of paying via debit card, check, or money order. If sending your payments in the form of check via the mail, please provide plenty of time to ensure your payments arrive at our office in advance of the payment due date.

Send mail-in payments to:

TBO Bank
Attn: Helix
P.O. Box 199
Orrick, MO 64077

If you are concerned about not being able to make a payment on time, please contact us to discuss your options.

How do I change my bank account?2023-06-15T13:27:21-05:00

If you are an existing customer, you can add a new payment method online through your Client Portal. You can log in to your portal at secure.helixfi.com/login.

RESOURCES

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 TBO Bank 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. TBO Bank 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 TBO Bank.

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

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