Help For Your Quick Cash Needs.

Installment loans up to $3,500. See cash in the bank as soon as today.*

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Call 833-863-1086 for Customer Service 24/7

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We reward you with access to larger loans, lower fees and longer terms as you move up the levels.

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You must be 18 years or older to apply. Koda Lending, d/b/a "Helpful Lending" ("Tribe") is a lender. There is no cost to use this website. Not all applicants will be eligible for a $3,500 loan or even any loan at all. Qualifying for final approval of a cash loan depends on various factors, including income and the state in which you reside. Helpful Lending does not extend loans to Active Duty Military, their spouses or their dependents. Your supplied information may be verified with any number of independent verification and/or credit reporting companies. The Tribe has elected not to conduct business in the following states: Arkansas, Connecticut, Georgia, Hawaii, Illinois, Massachusetts, Minnesota, New Mexico, New York, Pennsylvania, South Dakota, Vermont, Virginia, Washington, and West Virginia. The availability of installment loans in any state is subject to change at any time and at the sole discretion of the Tribe.

The APR is the yearly rate of finance charges on a loan, based on the borrower's creditworthiness. Factors such as credit history, income, and debt types are considered. The amount borrowed, loan duration and customer rewards level help determine your APR. The loan agreement, given upon approval, discloses all details, including finance charges and APR.

By agreeing to the terms of the loan, you are agreeing to pay back the loan and pay the principal and various loan fees included in the contract. Failure to pay back your loan according to the terms of your contract will result in additional fees and penalties. All non-payment fees and other potential fees will be set forth in the Loan Agreement, and you should refer to the Loan Agreement regarding specific non-payment fees.

Helpful Lending offers Installment Loans with a schedule of set payments. Loans may be paid in full at any time without penalty. Additional partial payments toward principal also may be made on any scheduled payment date. Paying off your loan faster than scheduled may reduce your overall cost of credit.

Koda Lending, d/b/a "Helpful Lending" is a lender and evaluates your information to determine if you qualify for a loan. Lenders that review your information often use 3rd party credit reporting agencies to evaluate your information and determine whether to offer you a loan. Typically, lenders in this industry do not order credit reports from Experian, Transunion or Equifax, instead relying upon other credit information repositories. As a result, your credit report may or may not be impacted based on the particular service used by the lender. We encourage you to monitor your credit from various credit monitoring services to evaluate your credit score. You should avoid completing multiple applications on multiple websites to minimize the impact to your credit score.

We encourage responsible borrowing. The use of installment loans as well as any loan should be done with full consideration of the costs involved. Review your loan documents carefully before you agree to the terms of the loan. This site is owned and operated by the Crow Creek Sioux Tribe. Our servicing team has over 20 years of experience in online lending. We can be reached by email at or you can call our loan center at 833-863-1086.

*Same Day Funding is available on business days where pre-approval, eSignature of the loan agreement and completion of the confirmation call, if a call is required, have occurred by 11:45 a.m. Eastern Time and a customer elects ACH as payment method. Customers who complete this process by 1:30 p.m. Eastern on business days may still receive funds on the same day, but some banks may not disburse the funds until the next business day. Other restrictions may apply. Certain financial institutions do not support same day funded transactions. When Same Day Funding is not available, funding will occur the next business day.

Koda Lending, DBA Helpful Lending, is a sovereign enterprise, economic development arm and instrumentality of, and wholly-owned and controlled by, the Crow Creek Sioux Tribe, a federally-recognized sovereign American Indian Tribe (the “Tribe”). This means that Helpful Lending’s loan products are provided by a sovereign government and the proceeds of our business fund governmental services for the Tribal community. This also means that Helpful Lending is not subject to suit or service of process. Rather, Helpful Lending is regulated by the Tribe. If you do business with Helpful Lending, your potential forums for dispute resolution will be limited to those available under Tribal law and your loan agreement. As more specifically set forth in Helpful Lending’s contracts, these forums include an informal but affordable and efficient Tribal dispute resolution, or individual arbitration before a neutral arbitrator. Otherwise, Helpful Lending is not subject to suit or service of process. Neither Helpful Lending nor the Tribe has waived its sovereign immunity in connection with any claims relative to use of this website. If you are not comfortable doing business with a sovereign instrumentality that cannot be sued in court, you should discontinue use of this website.