TBO Bank (tbobank.com) has a 3.3 out of 5 rating on OK.one, based on 103 user reviews collected here. It is listed under Money & Insurance and its reputation is mixed. Opinions are polarized: 57% rate it 4 stars or higher while 38% give 1 star; The business has replied to 60% of negative reviews; 22 of them were added in the last 12 months. Last updated 2026-08-10.
The ease of applying and receiving the funds is excellent but the finance charge is ridiculous! If your struggling, review the small print you'll end up paying longer than expected. What was a thousand will be 4 times the amount or more. I got the funds I needed quick and I can pay on the principle without penalties along side the regular scheduled ACH payments.
Reply from TBO Bank2025-02-18
Thank you for taking a few minutes to share your thoughts about Atlas. We appreciate it.
The experience has been nothing short of amazing! The promptness of receiving the loan when needed was priceless. Forever thankful to Atlas as I was facing eviction from my current apartment. I called in to their offices and personally thanked you guys through an agent (it should be noted). Thank you for everything Atlas! Much appreciated!
Reply from TBO Bank2025-02-04
We love hearing feedback like this! Thanks for taking the time to share your positive experience with Atlas.
I was able to do it very easy online and the money was in my account before the bank closed and I had applied at like 2 am
The process was self explanatory the only downer is the high interest rate.the payments are biweekly and comes from your direct deposit
Reply from TBO Bank2025-02-04
Thank you! Feedback from our customers is always appreciated and welcome.
