Helix Personal LoansFixed-rate, no-collateral personal installment loans up to $3,000
Why Helix Personal Loans?
When you need to quickly deal with unexpected expenses, Helix is the smart alternative to payday lenders, title loans, and bank overdraft fees. Apply online in minutes. Get a decision in seconds. Receive your money as soon as the next business day.
With 12-month terms, fixed rates, and no early-payment penalty, you can control how much interest you pay.
Helix loans are designed to help you successfully make payments, build your credit, and free yourself from the cycle of debt.
Types of Personal Loans
A Helix personal loan can be used for a variety of different situations — from home repair and improvement to medical bills and unexpected emergency expenses.
Short-term personal loans for car, truck, and auto repair.
Fix or repair your home with a quick installment loan from Helix.
Get the cash you need to improve your home and increase its value.
Loans to help you pay for medical bills and expenses.
Get the money you need to deal with whatever unexpected things life throws your way.
What kind of personal loans does Helix offer?
Helix offers no-collateral, unsecured personal installment loans. 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.
Helix personal loans are granted on a 6-9 month term with equal payments due weekly or every other week depending on your offer. First payment is due on your next pay date. Payment frequency varies depending on your loan offer, but payments are generally due either weekly or every other week.
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 >
What are the interest rates on a Helix loan?
Rates and terms are based on your credit, employment, and loan repayment history, as well as a number of other factors. If you are approved, you will be able to review your rate and terms before accepting. Get Your Offer >
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.
What kind of loans does Helix offer?
Helix offers 12-month no-collateral-required personal installment loans. 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 helixfi.com/funding.
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 >
How to use your government stimulus payment to most efficiently cover essential expenses, pay down high-interest debt, and build up and emergency fund.
What you need to know about making sure you’re eligible, how much you will get, when you will receive your money, and how to avoid common scams.
Let’s walk through what is classified as a ‘default’, what happens if you do default, and what steps you can take to minimize damage.