How to Get a Personal Loan

How Personal Loans Work with Helix

How It Works

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

There’s no obligation to accept.

1. Apply Online

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

2. Instant Decision

Receive a decision instantly with our automated loan approval engine.

3. Get Your Money

With just a few clicks, finalize your loan and get funding as soon as the next business day.


How do I apply for a personal loan?

Our application is an automated online process.  It only takes a few minutes to apply, and you will receive a decision instantly. If approved, you will receive funds within one business day of signing your online loan agreement. To apply, you’ll need to provide the following information: Contact, Residence, Employment, and Income. Get Started >

Does applying affect my credit score?

Yes, applying does affect your credit score. Your application is underwritten using Clarity Services, an alternative credit bureau owned by Experian. It will be a hard inquiry on your Clarity credit report, which will in turn affect your FICO score as reported by the three traditional credit bureaus: Experian, TransUnion, Equifax.

How quickly can I get my money? 

You will receive your money within one business day (sometimes sooner). 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.

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How long does it take to get approved for a personal loan?

Once your application is complete, you will receive an immediate decision online. If approved, you will receive an official loan offer with details about loan amount, payment terms, and rate. From there, it’s just a few clicks to finalize your loan and sign your online loan agreement. Once complete, you will receive your money within one business day. Get Your Offer >

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