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.