Help Center

Open 9:00am - 11:00pm EST
Call us 1-855 9-Helium (943-5486)
Help Requirements

What are the requirements to get a loan?

To qualify for a Payday Loan Account, you must meet the following criteria:

  1. You must be eighteen (18) years of age or older
  2. You must have an active source of income. 
  3. You must have an active chequing or savings account with at least thirty (30) transactions in the last ninety (90) days
  4. You must not currently be in bankruptcy, consumer proposal or be enrolled in credit counseling. If you are on social assistance, employment insurance or CPP, you are not eligible.
  5. A phone that can receive calls or text messages
  6. An email address
  7. Income of at least $2,000 per month for Coffee Cup Loans
  8. Income of at least $2,500 per month for Personal Term Loans
  9. Income of at least $3,000 per month for Lines of Credit
  10. A credit score of at least 600-700 points, depending on the product
  11. The final decision on all applications is subject to the sole discretion of Helium Loans.

How do I send documents to Helium Loans?

We only accept paperless applications. Please visit to open an account

What information do I need to apply?

1.            Access to your bank account that your pay-check goes to

2.            Driver’s License

3.            Basic Personal Info

What is the renewal policy?

If you do not have any outstanding unpaid loans, you are eligible to apply for a new loan.

Why would my application be refused?

•             Currently in un-discharged bankruptcy

•             Employment income is not stable

•             Incomplete or inaccurate information when filling out the forms

•             Too many insufficient funds transactions (NSF) in your bank account

Can I complete my loan application in person?

Yes, you can visit our office anytime and complete your loan application on a tablet on site. You will still need to verify your banking information and a credit check may be required.