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A payday loan or cash advance is a short-term, small-dollar loan, often used to cover unexpected expenses or to bridge a temporary gap between paydays. Payday loans are used to cover short-term financial situations — they are not a long-term financial solution.

Helium Loans is a Payday Alternative Lender that offer's longer term loans with 10 times lower interest rates.

Yes. We can provide the cash you need without digging into your past. A credit check is require for most loans.

To receive a “read-only” copy of your bank statement. Once we review that information we are able conclude how much we can lend.

We extend loans between $100 and $2,500. If you require a larger amount, please contact us.

For first time borrowers we offer loans up to $500.

We have different loans types. For our:

Payday loan: The loan is due the same day you are getting paid by your employer to a maximum of 14 days.

Term loan: The loan is due up to a maximum of 1 year.

We would be happy to review on a case by case basis.

Currently offer payday and short-term loans. Other loan types will be offered in the future

Yes.

Successful payments are reported to the credit bureau which will improve your credit score.

We like to work with clients and can reduce your payments and extend the loan if needed to help keep the loan in good standing. If you don't respond to our calls or letters we will exercise our legal rights by sending your loan to a collection agency and/or will take directly you to court. Unpaid balances remain on your credit report for 7 years and the loan will continue to collect interest. In our experience judges grant us the cost of court fees and lawyer expenses which will be added to your balance. 

The following graphic show what happens to unpaid balances: