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What is a Coffee Cup Loan?
Get a loan that's as easy to pay off as your morning cup of coffee! Payments start at just $1.79 a day for a $500 loan with the option to borrow more after 90 days of good payment history.
Who's this for?
Anyone looking to get a small loan of $500 to $2,000 and repay it over a fixed term of 1 or 2 years
Why you'll like it
Quick, convenient and if your credit score is above 600 points it's easy to qualify for
What if I need more?
Additional borrowing is possible after 90 days, or if you feel you meet the conditions go for a Personal Loan
Get a loan that's as easy to pay off as your morning cup of coffee! Payments start at just $1.79 a day for a $500 loan with the option to borrow more after 90 days of good payment history.
Who's this for?
Anyone looking to get a small loan of $500 to $2,000 and repay it over a fixed term of 1 or 2 years
Why you'll like it
Quick, convenient and if your credit score is above 600 points it's easy to qualify for
What if I need more?
Additional borrowing is possible after 90 days, or if you feel you meet the conditions go for a Personal Loan
Coffee Cup Loans
All loans feature
Free to apply
Delay a payment up to 14 days for free
No early payment fees
Paid out instantly
Daily, Weekly or Bi-Weekly payments
Manage your account online
Loan Term Options
Breathe easy by taking twice as long to repay with smaller payments
Based on approval. Payments made weekly. Daily option available with less interest and a $0.75 per day transaction charge.
Or get a personal loan of up to $5,000
With a variable rate and amount based on your credit score
They're different from a Coffee Cup Loan because
With a variable rate and amount based on your credit score
They're different from a Coffee Cup Loan because
Choose your payment frequency
Custom terms from 1 to 3 years
Rate varies with your credit score
Instant ApprovalWith our automated approval process you get a decision instantly without waiting for days like typical lenders. Information you mention is verified with your bank.
Loan ExtensionExtend your loan to make payments smaller and more affordable after you've had at least 90 days of good payment history.
No Pre-payment feesThere are no additional fees to pre-pay a portion of your loan or to pay in full before the term is up. Interest still applies.
Credit HistoryLoan payment history is reported the credit bureaus, increasing your score when the loan is repaid.
Build your score in Canada Reported
Monthly on the 1st 
Other Lenders
Complicated & daunting signup process
Paperwork back and forth for days - wondering if you'll be approved
Complicated & daunting signup process
Paperwork back and forth for days - wondering if you'll be approved
INSTANT
Helium Loans
Quick and easy
99% Of loan applications are pre-approved or denied instantly online
Quick and easy
99% Of loan applications are pre-approved or denied instantly online
Quick and easy access to small dollar coffee cup loans is available
How to qualify
We make it easy to apply online and receive an instant decision on your loan application. Everything can be completed right from your mobile phone or computer and no paperwork needs to be sent in.Loan approval for a Coffee Cup Loan is based on a number of factors
Current employed
Income of at least $2,000 after tax per month
Have a bank account in good standing
Have a bank account in good standing
Credit score above 600 points
Start your application today
Get a free loan quote
See how much you qualify for
Instant approval
Get a Coffee Cup Loan
