You acknowledge that by completing and submitting the website application that you are applying for a loan. Bank of Orrick reviews your information in real-time to determine whether your information meets its lending criteria. We will consider these additional accounts to be part of the application process. 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.Īs part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. 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. We adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA). If you do not make a payment on time, we will attempt to contact you via one or more authorized methods. Our fees are disclosed in your loan agreement. Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. 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. Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses. 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. Loans are issued and serviced by Bank of Orrick, Member FDIC.This is an expensive form of borrowing and it is not intended to be a long term financial solution. Helix by Bank of Orrick is a brand of Bank of Orrick. We verify applicant information through national databases, and we may pull your credit in order to determine your eligibility and ability to repay.Īvailability of loans are subject to change at any time at the sole discretion of Bank of Orrick. This is an expensive form of borrowing and it is not intended to be a long term financial solution.
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