Payday Loan Alternative
Get cash delivered instantly with a better loan
Get a real alternative to a Payday Loan

In Canada there are Payday Loans which offer clients a small loan until the next pay check which is usually 14 days away. Instead we offer a real solution to this with our Coffee CupTM and Personal Term loans.

Whatever your reasons, if you need some more money right now - from $100 up to $5,000 - Helium Loans can help steer you in the right direction. Get the cash you need instantly!

Separate Payments
With a payday loan the entire principal and interest are due in one large lump sum. With our loans you make only a small payment daily, weekly or bi-weekly along with your pay schedule.

Borrow More
Borrow more after just 90 days of good payment history and get those much needed funds - you can borrow up to double of your original loan amount with the click of a mouse*.

Delay a Payment
We get it! Sometimes this isn't a good time to make a payment. Which is why come up with the option to a delay a payment up to 14 days with no added fees.

Accured Interest
Interest is only charged on the balance owing and never on any fees. This way you can pay early anytime and take confort in knowing you didn't pay any extra interest.
Canadian Payday Loan alternative

We have loans backed by real people that understand how much you're looking to borrow and what payments you can make.

Getting access to credit is easy and you'll never get a Payday Loan again.

Instant Approval
With our automated approval process you get a decision instantly without waiting for days like typical lenders. Plus funds are deposited instantly!
Borrow what you need
You can borrow up to your maximum approved amount or as little as $100. It's your choice!
No early payment fees
Pay off a payday loan anytime you want - there is no need to wait until the due date arrives. Just start a transfer right from your account!
Quick and easy to loans is available
Get a loan in just a few minutes, all our loans have features to make them easy to repay.

Qualify online
Get an approval or denial instantly using your bank

Secure your terms
Keep and use your approval for up to 30 days

Get the full loan
You receive the cash by
direct deposit or e-Transfer

Borrow more
Borrow more after 90 days of good payment history
POPULAR
Coffee Cup Loan
Get a loan of up to $2,000 with payments starting at just $1.89 / day

  Free to apply
  Get a decision instantly
  Same day deposit or e-Transfer
  Daily or Weekly payment options
 
Personal Loan
Get a loan of up to $5,000 based on your good payment history and credit score

  Free to apply
  Get a decision instantly
  Same day deposit or e-Transfer
  Daily, Weekly, Bi-Weekly or Monthly payments

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 is based on a number of factors

  Currently Employed
  Make at least $1,750 after tax per month
  Have a bank account in good standing
  Credit Score above 600

  You can check your credit score for free
  with Credit Karma Canada

Check Eligibility

Start your application today

  Get a free loan quote
  See how much you qualify for
  Instant approval

Start your loan application today

Get the money you need quickly without hassle