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Provider Details

Who is Helium Loans?

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

Business Term Loan

Loan Range
$5,000 - $50,000
Interest Rate
6.99% - 46.99%
Terms (Months)
6 - 36
Funding Time
n/a
Funding Method
n/a
Repayment Options
  • Pay by direct debit, e-transfer, debit card, credit card
Eligibility
  • Must be incorporated in Canada
  • Must have a minimum monthly revenue of $10,000 and $5,000 in cash flow.
  • Must be in business for at least a year
  • Must have a personal credit score of at least 600
 
Requirements & Documents
n/a

Coffee Cup Loan

Loan Range
$500 - $2,000
Interest Rate
-
Terms (Months)
12 - 24
Funding Time
n/a
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
  • Must be a resident of Canada
  • Must be at least 18 years of age
  • Must not have declared bankruptcy in the last 7 years
Requirements & Documents
n/a

Auto Loan

Loan Range
Up to $50,000
Interest Rate
-
Terms (Months)
24 - 60
Funding Time
n/a
Funding Method
n/a
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
  • Must be a resident of Canada
  • Must be at least 18 years of age
  • Must not have declared bankruptcy in the last 7 years
Requirements & Documents
n/a

Line of Credit

Loan Range
Up to $10,000
Interest Rate
-
Terms (Months)
-
Funding Time
Same day
Funding Method
n/a
Repayment Options
  • Pay by direct debit, e-transfer, debit card, credit card
Eligibility
  • Must have a credit score of at least 700
  • Must be a resident of Canada
  • Must be at least 18 years of age
  • Must not have declared bankruptcy in the last 7 years
  • Must have some form of security such as owning your home, car or have a mortgage with equity
Requirements & Documents
n/a

Personal Loan

Loan Range
$1,000 - $5,000
Interest Rate
6.99% - 46.99%
Terms (Months)
12 - 36
Funding Time
Same day
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 $2,500
  • Must have an active bank account that is in good standing
  • Must be a resident of Canada
  • Must be at least 18 years of age
  • Must not have declared bankruptcy in the last 7 years
Requirements & Documents
n/a

Reviews

Reviews & Rating

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Nice people, got the money fast which is what I was looking for.

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