Frequently Asked Questions2024-03-22T15:22:14-05:00

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?2021-11-14T18:17:52-06:00

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:

Bank of Orrick
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?2021-11-14T18:17:52-06:00

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:

Bank of Orrick
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.