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Could you use a Personal Loan?
Sometimes you just need some extra money. Maybe your bank account is short this week and you need to make a major purchase or something unexpected happens. That's when a personal loan can really help. Use your loan to consolidate debts, cover medical bills, or make some home improvements, and even improve your credit.
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.
Who's this for?
Anyone looking for a loan larger than $1,000 up to $5,000 making the same payment each time for 1 to 3 years
Why you'll like it
It's more money than a Coffee Cup Loan and you can make monthly payments (along with weekly or bi-weekly)
What if I need more?
Additional borrowing is possible after 90 days right from the same loan without the need to apply again.
Sometimes you just need some extra money. Maybe your bank account is short this week and you need to make a major purchase or something unexpected happens. That's when a personal loan can really help. Use your loan to consolidate debts, cover medical bills, or make some home improvements, and even improve your credit.
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.
Who's this for?
Anyone looking for a loan larger than $1,000 up to $5,000 making the same payment each time for 1 to 3 years
Why you'll like it
It's more money than a Coffee Cup Loan and you can make monthly payments (along with weekly or bi-weekly)
What if I need more?
Additional borrowing is possible after 90 days right from the same loan without the need to apply again.
Get a Personal Term Loan
Apply Online
Be done in 5 Minutes
See your Loan Options
Get the loan by e-Transfer
There comes a time when everyone needs a loan to get something done, big or small and that's why we are here to help. If we can't fund your loan ourselves we'll help you find someone who can. That's the Helium difference.
Apply Online
Be done in 5 Minutes
See your Loan Options
Get the loan by e-Transfer
Personal Term 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
Calculate your payment options
Understand how your loan amount and frequency impact payments
Understand how your loan amount and frequency impact payments
Daily
Weekly
Bi-Weekly
Monthly
3 Months
6 Months
1 Year
2 Years
...
Loan Amount
Loan Amount
...
Payment
Payment
Borrowing Compared
| Traditional | Helium | |
|---|---|---|
| Get a loan instantly | Takes Days |  Yes |
| Borrow more | Never | Yes |
| Delay a payment | Double Next Time | Yes |
| Extend loan | Not Allowed | Yes |
| Payoff early | Fees Added | Yes |
Personal Installment Loans
Focus on what you like to and get a loan that includes borrowing for
Unexpected Expenses
Car Repairs
Child Expenses
Utility Bills
Medical Expenses
Lost or stolen items
New Purchases
Renovations
Phones & Computers
New Clothing
Online Spending
Vacations
Consolidation
Make one easy payment
Avoid credit card fees
Potentially lower interest
Avoid payday borrowing
Prepay anytime
Focus on what you like to and get a loan that includes borrowing for
Unexpected Expenses
Car Repairs
Child Expenses
Utility Bills
Medical Expenses
Lost or stolen items
New Purchases
Renovations
Phones & Computers
New Clothing
Online Spending
Vacations
Consolidation
Make one easy payment
Avoid credit card fees
Potentially lower interest
Avoid payday borrowing
Prepay anytime
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 
Quick and easy access to personal 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 Personal Term 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
