It’s quick & convenient to obtain a loan from Helpful Lending. Check out some of our basic requirements and try our user-friendly online application.
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Submit our easy online application & get a decision right away. Review & eSign your loan documents.
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Complete a confirmation call with Customer Service if required. You’ll find out if a call is needed when you eSign. Some returning customers may be eligible to skip the call.
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Now the part you’ve been waiting for. Helpful Lending deposits money into your bank account as soon as today.*
Compared to the eligibility criteria for most banks and other traditional lenders, Helpful Lending’s loan requirements are minimal. After we receive your online application and verify that you meet the loan applicant requirements defined below, you could receive your funds as soon as today.*
Provide a verifiable source of income deposited into your checking account that meets our minimum income requirements.
Have an open checking account that meets our “bank account minimum opened duration” requirements.
You need to be at least 18 years old and a United States resident.
You must not currently be a debtor in a bankruptcy case or presently intend to voluntarily file for bankruptcy relief.
*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 wholly owned entity of Dakota Economic Development Corporation, the sovereign economic arm, enterprise and instrumentality of, and created under the laws of and for the benefit of the Crow Creek Sioux Tribe of the Crow Creek Sioux Indian Reservation in Fort Thompson, South Dakota, a federally recognized and sovereign Indian Tribe (“Tribe”). Helpful Lending is a licensed lender under the regulatory oversight of the Crow Creek Tribal Financial Services Licensing & Regulatory Commission. Through Helpful Lending, the Tribe generates governmental revenue to support essential programs and services for Tribal citizens. Tribal jurisdiction is clearly outlined on our website and in all Loan Agreements. This service is offered to you via the internet from the Tribe’s trust land, regardless of where you may be situated or access this site, and constitutes an offer or solicitation for consumer loans solely within the Tribe’s jurisdiction, not any other state. The Tribe does not allow access or accept applications for this service from residents of all locations, and the service may or may not be available at your location. The location from which the Tribe chooses to allow access to its jurisdiction may change from time to time without notice. If you choose to visit the Tribe’s jurisdiction through the internet and access services offered and regulated under the Tribe’s laws, you consent to the Tribe’s jurisdiction and agree that Tribal law governs such services. Availability of loans are subject to change at any time at the sole discretion of Helpful Lending. This is an expensive form of borrowing. Please note that nothing in this communication should be construed as a waiver of the Tribe’s sovereign immunity, which is expressly reserved.