Helium Loans is an online lender that provides loans in Canada and soon the US and the UK. When you apply with Helium Loans, you’ll be directly dealing with them as they are a direct lender. That means they will handle everything from processing your application to funding you, to repayments. Whether you’re in need of extra cash for a large purchase or an emergency expense, Helium loans offer a range of credit products to suit your needs. They currently offer the following loans:
Personal loan
Auto loan
Line of credit
Business loan
Coffee Cup Loan (an alternative to a payday loan)
Moreover, Helium Loans offers a fast and easy application that takes approximately 5 minutes to fill, after which you’ll get an instant decision. If approved, you’ll receive your funds the same day through an e-transfer. First-time borrowers who pay back their loan on time will receive a 10$ gift card.
Services & Products
Helium Loans Offered Services
Personal Loan
Loan Range
$1,000 – $5,000
Interest Rate
—
Terms (Months)
12 – 36
Funding Time
Same day
Funding Method
e-transfer
Repayment Options
Pay by direct debit, e-transfer, debit card, credit card
Eligibility
Must have a credit score of 600+
Must be employed
Must have a net income of at least $2,000
Must have an active bank account that is in good standing
Auto Loan
Loan Range
Up to $50,000
Interest Rate
–
Terms (Months)
24 – 60
Repayment Options
Pay by direct debit, e-transfer, debit card, credit card
Eligibility
Must have a credit score of 600+
Must be employed
Must have a net income of at least $2,000
Must have an active bank account that is in good standing
Business Term Loan
Loan Range
$5,000 – $50,000
Interest Rate
–
Terms (Months)
6 – 36
Funding Time
Same day
Funding Method
Direct deposit
Repayment Options
Pay by direct debit, e-transfer, debit card, credit card
Eligibility
12 months or more in business
Minimum $50,000 in annual sales
No recent bankruptcies or tax liens
Own at least 20% of the business
Minimum fair or better credit
Coffee Cup Loan
Loan Range
$500 – $2,000
Interest Rate
Varies
Terms (Months)
12 – 24
Funding Method
e-transfer or direct deposit
Repayment Options
Pay by direct debit, e-transfer, debit card, credit card
Eligibility
Must have a credit score of 600+
Must be employed
Must have a net income of at least $2,000
Must have an active bank account that is in good standing
Line of Credit
Loan Range
Up to $10,000
Interest Rate
–
Terms (Months)
–
Funding Time
Same day
Repayment Options
Pay by direct debit, e-transfer, debit card, credit card
Eligibility
Must have a credit score of at least 700
Must have some form of security such as owning your home, car or have a mortgage with equity
Customer Experiences
What Customers Are Saying About Helium Loans
S
Samuel Role
Rated 5 out of 5
Nice people, got the money fast which is what I was looking for.
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