What type of loans are offered?

We offer payday, personal and small business loans.

How old do I need to be to sign up with Helium Loans?

You must be at least 18 years of age.

What do I need to get started?

- You must a resident of Canada
- Be over 18 years old to apply for any loan
- Have an active chequing or savings account to receive funds
- You must not be in bankruptcy or have been in bankruptcy in the past 7 years

How much can I borrow with a Coffee Cup Loan?

For new clients you can borrow up to $1,000 instantly and existing clients can borrow up to $2,000 using the same account they already have. Just login, go to Loans then Re-Apply.

How much are payments with a Coffee Cup Loan?

Payments start at just $1.79 per day

Am I eligible for a Coffee Cup Loan?

You can find out if you are elgible by going to the Coffee Cup Loan page and clicking on Check Eligibility

Are there any additional fees?

Paying back the loan on time is important, there are no additional fees if you pay your loan on time. Contact us if you're unable to make a payment on time and we may be able to delay it. Fees apply to non-sufficient fund transfers.

How much does it cost to get a payday loan?

Payday loans are high cost loans. In Ontario it will cost $15 per $100 borrowed until your next payday. Example: borrowing $1,500 will cost $225.

Am I eligible for a payday loan?

Absolutely! Our payday loans have fewer requirements than personal term loans.

How do I pay the loan back?

The loan can be paid easily from your phone, online, or by calling us at 1-855 9-Helium (943-5486).

Are there any additional fees?

Paying back the loan on time is important. Contact us if you're unable to make a payment on time. Fees apply to non-sufficient fund transfers.

What personal loans do you offer?

Loans for cash deposit, cars, boats, renovations, weddings and anything else.

What amounts can I get for a personal loan?

We offer personal loans between $1,000 and $5,000

How do the rates vary?

Interest rates vary between 6.99% and 46.99% depending on your banking information and credit history.

How is the loan paid back?

Payments are made daily, weekly, bi-weekly or monthly depending on the payment schedule. Loans can be extended online from your account.

What are the requirements or a small business loan?

Be incorporated in Canada and have at least 12 months of bank history.

How long does a lending decision take?

Lending decisions are made instantly with funds delivered the same day.

Can I get a loan without 12 months of history?

Yes, for small business we offer startup loans - personal eligibility and guarantee will be needed.

What amounts and rates are offered for small business loans?

We offer loans to small businesses up to $50,000 with rates that vary between 6.99% and 46.99% depending on your business financials and credit history.