We Reward You For
Your Loyalty

Earn access to larger loan amounts, lower fees
and longer terms with Helpful Lending Rewards.

The key to moving up? Always pay each loan back
flawlessly – in full and on time –
and return to Helpful Lending for your future borrowing needs.

Rewards Levels

Two Loans

Loans up to $2,000

Pay back your first loan with no missing or late payments and you could enjoy lower rates on your second loan.

Successfully repay both Blue loans in full & on time to
move up to Silver.

Days To Repay

Up to 270

Up to 270

Two Loans

Loans Up to $2,750

You’re moving up. Enjoy access to more cash and lower rates
than your Blue loans.

Flawlessly finish two Silver loans without missing a payment
and you’re ready to go for the Gold.

Days To Repay

Up to 270

Up to 270

Two Loans

Loans Up to $3,000

Nice work. Gold status means you’re eligible to apply for larger
loans & enjoy lower rates than Silver Level.

Successfully complete two Gold loans with no missing payments to advance to Platinum, our highest level.

Days To Repay

Up to 300

Up to 300

Two Loans

Loans up to $3,500

Congratulations! You’ve reached Platinum, the highest level in
our Rewards program.

As a Platinum VIP, enjoy access to our largest loan amounts
at our best rates. You’ve earned it.

Days To Repay

Up to 300

Up to 300

APRs may vary based on customer rewards status, borrowed amount, duration of the loan and other factors. The loan agreement, provided upon approval, discloses loan details, including the APR.

Here’s How It Works

To become part of Helpful Lending Rewards, apply for a loan.
When your first loan is approved, you become a member.

To move up: Be sure to pay all loans in full, with no missing or late payments, so that they count toward your rewards. Return to Helpful Lending when you need cash again.

VIPs can log in
to check their status in
Helpful Lending Rewards.

If you have questions, call us at 833-863-1086. We are here to help, 24/7.

*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.