WHAT WILL YOUR LOAN COST YOU?

Your TBO Bank Loan

TBO Bank Loans

If you’re considering an installment loan with TBO Bank, you should have a firm understanding of what your loan will cost you over time. You can calculate this number by keeping three key factors in mind:

1. You only pay interest on your loan for as long as you need the money.

2. You can pay back your loan at any time without additional fees or penalties.

3. The earlier you pay back your loan, the less interest you pay.

Because TBO Bank allows such flexibility for payoff, you have more control over the total cost of your loan. Many of our customers pay their loans in full well before the end of their term, which saves them significant cost on interest.

If it doesn’t seem feasible for you to pay your loan off early, you can still reduce the interest you pay over time by making additional payments when possible. Even an extra $20 payment here and there can still impact your loan cost. If you’re already a TBO Bank customer, you can Login to your Client Portal at anytime to make additional loan payments. Log In >

Rates and Fees

Origination Fee

We won’t charge you origination fees like other lenders. Receive funds without the extra cost.

Interest Rates

The percentage of your total loan amount you pay annually, spread across your payments.

Annual Percentage Rate

The true cost of borrowing which can be used as a point of comparison across lenders.

You’ve Got Questions. We’ve Got Answers.

We get it. Taking out a loan is something you want to be completely sure of. The best way to stand behind your decision is to have all the information you need. We’ve outlined some of the most asked questions by our customers to help you come to a sound decision. If you can’t find the information you need, you can contact us for additional help.

How do I apply?

Our application is an automated online process. If approved, you can receive funds as soon as the next business day. To apply, you’ll need to provide the following information: Contact, Residence, Employment, and Income.

Get started >

See our Privacy Policy and Security information for more information on steps we take to protect your information and data.

What kind of loans does TBO Bank offer?

Atlas currently offers unsecured installment loans.

When will I receive my money?

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: tbobank.com/funding.

Customer Support

Have a question? Need assistance? We’re here to help. No matter how you choose to connect with TBO, you can trust you’re talking to a real human that cares.

Phone: 561.462.8527

Email: info@tbobank.com

*Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision.

IMPORTANT DISCLOSURES

TBO Bank loans are designed to assist with short-term borrowing needs; are not intended to be a long-term financial solution and are an expensive form of borrowing. We encourage quick repayment to avoid additional finance charges.

Loan approval is subject to eligibility, credit check, and underwriting requirements. TBO Bank may conduct additional verification through national databases. Rates, terms and conditions apply. Lending decisions and funding times are subject to system limitations. Late fees, non-sufficient funds/ returned item fees may apply as described in your loan agreement.

Loan availability, rates, and terms are subject to change at the sole discretion of TBO Bank.

Loans are issued and serviced by TBO Bank, Member FDIC.

Support Team Hours

Monday - Friday

8:00am-6:00pm Central