Get to Know Atlas
We know that taking out a personal loan is a major ordeal. We want to make the process straightforward and simple by providing you with all the information you need to make an informed decision.
Below you will find answers to some of the more frequent questions our borrowers ask. Still can’t find what you’re looking for? Feel free to give us a call.
Contact an Atlas loan specialist today!
Call: 888.354.1532
8am-6pm Central Time, Monday-Friday
We’re Ready When You Are
It takes less than five minutes to apply for your new loan with Atlas. Even better, you’ll receive a fast decision* and receive your funds within one business day, if approved. Let’s get you started.
New Customers: Apply Now >
Returning Customers: Get New Offer >
Applying, Approval & Funding
Once your application is complete, you will receive an immediate decision online. If approved, you will receive an official loan offer with details about the loan amount, payment terms, and rate.
From there, it’s just a few clicks to finalize your loan and sign your online loan agreement. Once complete, you will receive your money within one business day. Get Your Offer >
Atlas by Bank of Orrick is a brand of Bank of Orrick, offering personal loans designed to help you quickly deal with unexpected expenses, successfully make payments, and build credit.
Installment loans are issued and serviced by Bank of Orrick.
Yes, we check your credit report as part of the application process.
The exact timing depends on a few things, including how long it takes your bank to credit the payment to your account. That said, with most banks you can expect to see the money in your account based on when you sign your loan agreement:
- If your loan agreement was signed by 11:00 am (Central Time) on a business day, you should receive your money by 5:00 pm the same day.
- If your loan agreement was signed after 11:00 am (or on a weekend or bank holiday), you should receive your money by 5:00 pm the next business day.
For more information on how the funding process works and when you can expect to receive your funds, visit atlaspersonalfinance.com/funding.
We understand you are entrusting us with your personal and financial information. We take that seriously, and work hard to protect your privacy. The data you provide to us is protected in accordance with our Privacy Policy, and we use the highest level of encryption to ensure your information and data is safe and secure.
Atlas currently offers unsecured installment loans.
We confirm your bank information to ensure we send your funds to the correct bank account. This also helps us ensure that your funds are transferred without any interruption.
No, collateral is not required for an Atlas Loan. Atlas offers unsecured, no-collateral personal loans, based on credit, income, and a number of other factors.
After you have reviewed and accepted your loan offer, Atlas may use an advanced ID verification system to securely verify your identity. This protects both you (the borrower) and us (the lender) from fraud.
Yes, we consider both social security and disability benefits as sources of income when processing your application.
Installment Loans
Loans are paid over time with payments due according to your pay cycle. There is no fee or penalty for early repayment. For more information visit atlaspersonalfinance.com/cost.
Interest rates vary per applicant. They 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 before signing.
While reviewing your offer, it’s important to know that interest rate is only one factor to consider when looking at the total cost of your loan. You can pay back your loan at any time without penalty, and paying early significantly reduces the total cost of your loan.
To see how you can reduce the cost of your loan, visit atlaspersonalfinance.com/cost.
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. See how you can lower your cost >
The exact timing depends on a few things, including how long it takes your bank to credit the payment to your account. That said, with most banks you can expect to see the money in your account based on when you sign your loan agreement:
- If your loan agreement was signed by 11:00 am Central Time on a business day, you should receive your money by 5:00 pm the same day.
- If your loan agreement was signed after 11:00 am (or on a weekend or bank holiday), you should receive your money by 5:00 pm Central Time the next business day.
For more information on how the funding process works and when you can expect to receive your funds, visit atlaspersonalfinance.com/funding.
Through your Client Portal, you can view your payment history, outstanding balance, and scheduled upcoming payments. Within your account, 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.atlaspersonalfinance.com/login, with the email address used on your application.
Password Tips
If you have trouble accessing your account online or would like to speak with a loan advisor, email info@atlaspersonalfinance.com or call 888.354.1532, 8am-6pm Central Time, Monday-Friday.
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.
For an example of how much you can reduce your total cost by paying off early or making additional payments, visit atlaspersonalfinance.com/cost.
You can make additional payments on principal or pay off your balance in full (with no penalties or fees) anytime through your online account at secure.atlaspersonalfinance.com/login.
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 or pay off your balance in full (with no penalty) anytime through your Client Portal at secure.atlaspersonalfinance.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: Atlas
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.
If you are an existing customer, you can add a new payment method online through your Client Portal. You can Login to your Client Portal at secure.atlaspersonalfinance.com/login. If you have not yet received your funds, please contact us to make sure we have the correct account information on file.
