Deal with today. Plan for tomorrow.

Personal Loans up to $4,000

Apply in minutes.
Receive a decision in seconds.
Get your money as soon as tomorrow.


How It Works

With Helix by Lead Bank, you don’t have to wait days for a decision or deal with pestering phone calls. The entire loan process is conducted online — quickly, simply, securely.

Even with less-than-ideal credit, you could be eligible. Apply now for an instant, no-obligation offer up to $4,000.

1. Apply Online
Complete our simple and secure online loan application in a matter of minutes.

2. Review Offer
Receive a decision instantly and select the loan amount that works best for you.

3. Get Your Money
With just a few clicks, finalize your loan and get funding the next business day.

Why Helix

Simply Smarter.
When you need to quickly deal with unexpected expenses, Helix is the smart alternative to payday lenders, title loans, and bank overdraft fees.

You are in control.
With terms up to 24 months, fixed rates, and no early-payment penalty, you can control how much interest you pay.

You deserve better.
Helix loans are designed to help you successfully make payments, build your credit, and free yourself from the cycle of debt.

Here to Help 

Thousands of people across the U.S. rely on Helix by Lead Bank for personal loans. They like how easy it is to apply and how quickly they can get funding. Just as important, customers appreciate the friendly, prompt, and personal service of our dedicated team of loan advisors.

“My wife and I are very pleased with this company! Not only are they prompt in answering any questions via email and such, but also were there when we need them! Nothing less than 10 Stars from me although we could only give a 5 Star rating.”

— Jesus and Juanita V.

“This is the second time needing some funds to cover my car payment…Less than overnight funds were in my account! Thank you for what you all do! I will be a customer for life!”

— Anthony D.

“Helix helped me when I needed a small loan. They respond very quickly. I paid my loan off within 3 months!! I will continue to do business with Helix Financial! HIGHLY RECOMMENDED!”

— Laurie H.

“Very professional, no hassle, and understanding. Was able to help me out when I needed it. Thanks!”

— Ladonna B. 

“I was extremely impressed with the speed in which I was responded to when I applied; and also the ease of the process.”

— Karen M.

“Helix helped me when no one else would. I really appreciate that.”

— Constance B.

Get a decision in seconds. Get your money as soon as tomorrow.

Questions? Concerns?

We know taking out a loan is a big decision, and we want to make sure you get a loan that really works for you. If you have questions, you can find answers to frequently asked questions and get helpful information through our Loan Sense blog.

What kind of loans does Helix offer?

Helix offers no-collateral-required personal installment loans with terms up to 24 months. The loan is repaid over time with a set number of scheduled payments, though you can pay off your loan or make additional payments at any time without additional fees or penalties. Get Your Offer >

When will I receive my money?

The exact timing depends on a few things, including how long it takes your bank to credit the payment to your account. That said, with most banks you can expect to see the money in your account based on when you sign your loan agreement:

  • If your loan agreement was signed by 11:00 a.m. (Central Time) on a business day, you should receive your money by 5:00 p.m. the same day.
  • If your loan agreement was signed after 11:00 a.m. (or on a weekend or bank holiday), you should receive your money by 5:00 p.m. the next business day.

For more information on how the funding process works and when you can expect to receive your funds, visit

Is there a penalty or fee for early payment?

There are no penalties for paying early or making additional payments. You can make additional payments on principal or payoff your balance in full (with no penalties or fees) anytime through your online client portal.

In fact, we encourage you to make additional payments whenever possible in order to reduce your total cost. Learn more about payments >

How can I reduce the total cost of my loan?

There are no fees or penalties for paying off your loan early. In fact, we encourage you to make additional payments whenever possible. The sooner you pay your loan in full, the more you save. See how you can lower your cost >

Still have questions about Helix personal loans? Contact one of our friendly loan advisors.

Call: 1.800.619.5309
8am-5pm (CST), Monday-Friday


Why You Should Choose a Helix Loan

Why You Should Choose a Helix Loan

If you’re looking for fast funding options for unexpected bills, medical expenses, or any number of other reasons, an online search yields many results. However, not all lenders are created equal.

Loans are issued by Lead Bank, a Missouri-chartered bank, Member FDIC. 1801 Main St., Kansas City, MO 64108


This is an expensive form of borrowing and it is not intended to be a long term financial solution. Please note: Helix loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long term financial solution. Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs.

Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. Our fees are disclosed in your loan agreement. Loan amounts range from $200 to $4,000 with a repayment term up to 24 months. Annual Percentage Rates range from 36% to 499%. If you do not make a payment on time, we will attempt to contact you via one or more authorized methods. We adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA). Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.

As part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process. Helix Financial reviews your information in real-time to determine whether your information meets our lending criteria. You acknowledge that by completing and submitting the website application that you are applying for a loan. We verify applicant information through national databases, and we may pull your credit in order to determine your eligibility and ability to repay.

Availability of installment loans are subject to change at any time at the sole discretion of Lead Bank.

© Copyright 2020 Helix by Lead Bank