I'm reading these reviews from others and can only say, Helpful Lending has been here for me when I needed extra money fast. Like any debt, read what your getting into and borrow responsibly I will co... See more
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Review summary
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Reviews shaping this summary
Customer service knew what to do. Very expedient. I hadn't money in the bank the next day. Customer service was very nice and easy to do business with. The only problem and the reason for four stars... See more
Company replied
Very easy to get things done and to payback. My only complaint is I borrowed more money before, but was approved for less this time. I was told that was a special, the first time. But the website says... See more
Company replied
I am very pleased with the experience I had with Help Full Lending. Not only was I approved, but very fast. Due to the glitch in my system I would have received the payment within two hours of appro... See more
Company replied
Company details
Written by the company
At Helpful Lending, we’re here to provide you with fast, reliable access to cash—up to $3,500—no matter your credit history. Our goal is to deliver exceptional customer service and a smooth lending experience. With 24/7 live customer support, quick application decisions, and flexible repayment terms of up to 10 months, we make borrowing easy. Plus, we offer free Same Day Funding on business days* and a rewards program that gives you access to larger loan amounts, lower fees, and longer repayment terms. Helpful Lending is a sovereign enterprise, serving as the economic development arm and instrumentality of the Crow Creek Sioux Tribe, a federally recognized sovereign American Indian Tribe. Visit our website for full details.
Contact info
Koda Lending, PO Box 246, 57339, Ft. Thompson, United States
- 833-863-1086
- info@helpfullending.com
- helpfullending.com
Same-day pay
21 February 2025
Reply from Helpfullending
Hi Chad Spohn,
Thank you for your feedback! We're glad to hear that you enjoyed the same-day pay! We strive to make the process quick and convenient for our customers.
If you have any questions or future needs, please don’t hesitate to reach out to Helpful Lending. We’re available at info@helpfullending.com or by phone at 833-863-1086.
Thanks again, and we appreciate your support!
Thank you,
Helpful Lending
The interest rate applied to my loan is…
The interest rate applied to my loan is very high
13 February 2025
Reply from Helpfullending
Hi Alimamy Turay,
Thank you for sharing your experience. We value your opinion and are sorry we didn’t meet your expectations. We value transparency and want to ensure our customers fully understand their loan terms. The loan details, including the APR, payment amount and due dates, were included in the loan agreement you signed before origination.
Our goal is to provide easy access to short-term funding through our personal installment loans when our customers need us most, regardless of their credit rating. We also provide alternative payment options that may help to reduce the overall cost of the loan.
You have the option to (1) pay off the loan early without any prepayment penalties to save on interest or (2) make additional payments toward the principal, which can also reduce interest and shorten the loan term.
If you would like to discuss these options, please don't hesitate to call us at 833-863-1085. Our team is available to assist you from 8 am to 8 pm EST, Monday through Friday.
Thank you,
Helpful Lending
Fast and courteous
13 February 2025
Reply from Helpfullending
Hi,
Thank you for your feedback! We’re glad to hear that you found our service fast and courteous. Providing efficient and respectful service is our priority
If you have any questions or future needs, please don’t hesitate to reach out to Helpful Lending. We’re available at info@helpfullending.com or by phone at 833-863-1086.
Thanks again, and we appreciate your support!
Thank you,
Helpful Lending
I would have liked the payback time to…
I would have liked the payback time to be alittle longer so that monthly payments would not be so high. But over all the company was respectful.
13 February 2025
Reply from Helpfullending
Hi,
Thank you for your feedback! We’re sorry you were disappointed with your personal installment loan experience. We take great pride in providing our customers with the best possible service.
As outlined in the loan agreement, you’re never obligated to retain the loan for its full term. We offer flexible repayment options designed to help reduce the overall cost of the loan.
You have the choice to (1) pay off the loan early without any prepayment penalties, thus saving on interest, or (2) make additional payments towards the principal balance, which can also save on interest and shorten the life of the loan.
To ensure your privacy, we cannot discuss personal installment loans account details here, but we would like to get details of your experience so we can improve our level of service.
If you would like to discuss the terms of your loan in more detail or learn more about the repayment options, please don't hesitate to call us at 833-863-1085. Our team is available to assist you from 8 am to 8 pm EST, Monday through Friday.
Thank you,
Helpful Lending
I only borrowed $1000
I only borrowed $1000. I made 3 payments total $1300. I still owe $1300.
$536 a month for 6 months for only $1000
They don't accept credit cards to pay off.
Helpful lending is a Scam
Worse than loan sharks
Clearly a scam.
28 January 2025
Unprompted review
Reply from Helpfullending
Dear John Tillery Jr.,
Thank you for sharing your experience with us. We value transparency and want to ensure our customers fully understand their loan terms. The loan details, including the APR, payment amount and due dates, were included in the loan agreement you signed before origination.
At Helpful Lending, we promote responsible borrowing and offer flexible repayment options to help manage your loan:
You may repay your loan in full at any time by notifying us at least one (1) business day in advance.
You may make additional payments toward your principal balance on any of your upcoming due dates.
Our records show that you utilized one of these repayment options, allowing you to save on interest and fees. Additionally, we offer a Rewards Program, which provides customers access to higher loan amounts with lower fees.
If you have any questions or future financial needs, please don’t hesitate to contact us. Our team is available 24/7 via email at info@helpfullending.com or by phone at 833-863-1086.
Best regards,
Helpful Lending
The whole process was very quick and…
The whole process was very quick and easy. The person I spoke to was very nice.
20 January 2025
Reply from Helpfullending
Hi Amy Kavanagh,
Thank you for your feedback! We're delighted to hear that the process was quick and easy and that our representative was kind. Providing the best possible service experience for our customers is our top priority.
If you have any questions or future needs, please don’t hesitate to reach out to Helpful Lending. We’re available at info@helpfullending.com or by phone at 833-863-1086.
Thanks again, and we appreciate your support!
Thank you,
Helpful Lending
Reply from Helpfullending
Hi,
Thank you for your feedback! We're glad to hear the communication was clear, easy, and pleasant. We are committed to providing exceptional customer service and support.
If you have any questions or future needs, please don’t hesitate to reach out to Helpful Lending. We’re available at info@helpfullending.com or by phone at 833-863-1086.
Thanks again, and we appreciate your support!
Thank you,
Helpful Lending
Customer Service very kind and helped me
7 January 2025
Reply from Helpfullending
Hi Betty Sue Shewmaker,
Thank you for your feedback! We’re glad to hear that our customer service team was kind and helpful, as we take great pride in providing the best customer service.
If you have any questions or future needs, please don’t hesitate to reach out to Helpful Lending. We’re available at info@helpfullending.com or by phone at 833-863-1086.
Thanks again, and we appreciate your support!
Thank you,
Helpful Lending
I was in a worrisome situation
I was in a worrisome situation, being forced to move and not finding as good a deal as the home I was in. The phone reps eased my mind and even though I am worried about high interest loans like this from a past experience everything discussed seemed doable and allowed me to move I to my new home.
7 January 2025
Reply from Helpfullending
Hi Tamara,
Thank you for sharing your experience! We're glad to hear that our phone representatives were able to put your mind at ease. We take great pride in providing the best possible service experience for our customers.
As outlined in the loan agreement, you’re never obligated to retain the loan for its full term. We offer flexible repayment options designed to help reduce the overall cost of the loan. We’re glad to see you utilized these options, resulting in substantial savings on interest.
You have the choice to (1) pay off the loan early without any prepayment penalties, thus saving on interest, or (2) make additional payments towards the principal balance, which can also save on interest and shorten the life of the loan.
If you would like to discuss the terms of your loan in more detail or learn more about the repayment options, please don't hesitate to call us at 833-863-1085. Our team is available to assist you from 8 am to 8 pm EST, Monday through Friday.
Thank you,
Helpful Lending
I refused to complete the loan process…
I refused to complete the loan process when they told me that the interest rate was 600%. This company is looking for idiots. In addition, they try to get your banking information prior to you being approved which is a red flag..
I refuse to complete the application process once I saw the tactics in which they used to get people to sign up for a loan. The loan in itself is not worth it if you end up spending quadruple what they offered the loan for. for anyone interested you are better off, building your credit and applying with a viable bank for better terms and a better interest rate.
5 January 2025
Unprompted review
Reply from Helpfullending
Hi,
Thank you for sharing your experience. We value your opinion and are sorry we didn’t meet your expectations.
Our goal is to provide easy access to short-term funding through our personal installment loans when our customers need us most, regardless of their credit rating. We also provide alternative payment options that may help to reduce the overall cost of the loan.
You have the option to (1) pay off the loan early without any prepayment penalties to save on interest or (2) make additional payments toward the principal, which can also reduce interest and shorten the loan term.
If you would like to discuss these options, please don't hesitate to call us at 833-863-1085. Our team is available to assist you from 8 am to 8 pm EST, Monday through Friday.
Thank you,
Helpful Lending
This company is awful!!
This company is awful!!! I had applied for a $950 loan and was told Id pay $24 per $100 which is still high. After getting approved I had logged into my account and it showed I would owe over $4000!!!! that is absolutely insane. AVOID THIS COMPANY.
1 January 2025
Unprompted review
Reply from Helpfullending
Hi Tyler,
Thank you for sharing your experience with us. We’re sorry to hear about your confusion regarding your loan terms. At Helpful Lending, transparency and providing clear information about the cost of borrowing are priorities, and we regret if there was any misunderstanding.
At Helpful Lending You have the choice to (1) pay off the loan early without any prepayment penalties, thus saving on interest, or (2) make additional payments towards the principal balance, which can also save on interest and shorten the life of the loan.
To ensure your privacy, we cannot discuss account details here, but we would like to get the details of your experience so that we can properly escalate your concerns.
Please email us directly at ombudsmans@helpfullending.com or call us at 833-863-1085 to discuss. We’re available from 8AM – 8PM EST, Monday – Friday.
Thank you,
Helpful Lending
Reply from Helpfullending
Hi Cynthia Jones,
Thank you for your feedback! We’re so glad to hear that our team has been friendly, helpful, and reliable for you. We are committed to providing exceptional customer service and support.
If you have any questions or future needs, please don’t hesitate to reach out to Helpful Lending. We’re available at info@helpfullending.com or by phone at 833-863-1086.
Thanks again, and we appreciate your support!
Thank you,
Helpful Lending
Awesome customer service!..Thank You!!
2 December 2024
Reply from Helpfullending
Hi Ronnie Lonoff,
Thank you for your kind words! We’re thrilled to hear you had an awesome experience with our team, as we take great pride in providing the best customer service.
If you have any questions or future needs, please don’t hesitate to reach out to Helpful Lending. We’re available at info@helpfullending.com or by phone at 833-863-1086.
Thanks again, and we appreciate your support!
Thank you,
Helpful Lending
Great service
They did exactly as promised. The person I spoke to in customer service was excellent.
2 December 2024
Reply from Helpfullending
Hi Gerald Magin,
Thank you for your feedback! We're glad to hear that your experience with our customer service team was excellent. We take great pride in providing the best possible service experience for our customers.
If you have any questions or future needs, please don’t hesitate to reach out to Helpful Lending. We’re available at info@helpfullending.com or by phone at 833-863-1086.
Thanks again, and we appreciate your support!
Thank you,
Helpful Lending
Reply from Helpfullending
Hi Judy Cox,
Thank you for your feedback! We're delighted to hear that our team was kind and understanding. Providing excellent customer service is always our goal.
If you have any questions or future needs, please don’t hesitate to reach out to Helpful Lending. We’re available at info@helpfullending.com or by phone at 833-863-1086.
Thanks again, and we appreciate your support!
Thank you,
Helpful Lending
I had to change my pay date and you…
I had to change my pay date and you upped the amount higher than what I was paying!
2 December 2024
Reply from Helpfullending
Hi Tammy Haller,
Thank you for sharing your experience. Here at Helpful Lending, it is important to us that our customers understand the terms of the loan, and we apologize that you felt the loan terms were unclear
To ensure your privacy, we cannot discuss personal installment loans account details here, but we would like to get details of your experience so we can improve our level of service.
We will reach out to you within 48 hours to gather more details about your experience and ensure your concerns are appropriately addressed.
If you have any questions or future needs, please don’t hesitate to reach out to Helpful Lending. We’re available 24/7 at info@helpfullending.com or by phone at 833-863-1086.
Yours truly,
Helpful Lending
I borrowed $875 in April and so far I…
I borrowed $875 in April and so far I have paid back $2,935.68. I get a text message today telling me I still owe over $600. Please explain to me how you are helping people out when you are asking for well over 200% of what I borrow back. I would not recommend this place to anyone.
24 April 2024
Unprompted review
Reply from Helpfullending
Hi Monica McDonald,
Thank you for sharing your experience. it is important to us that our customers understand the terms of the loan, and we apologize that you felt the loan terms were unclear during the verbal verification process.
At Helpful Lending You have the choice to (1) pay off the loan early without any prepayment penalties, thus saving on interest, or (2) make additional payments towards the principal balance, which can also save on interest and shorten the life of the loan.
To ensure your privacy, we cannot discuss personal installment loans account details here, but we would like to get details of your experience so we can improve our level of service.
We will reach out to you within 48 hours to gather more details about your experience and ensure your concerns are appropriately addressed.
If you have any questions or future needs, please don’t hesitate to reach out to Helpful Lending. We’re available 24/7 at info@helpfullending.com or by phone at 833-863-1086.
Yours truly,
Helpful Lending
Helpful lending was initially very…
Helpful lending was initially very helpful and I got to a point that I was able to borrow some money and I wanted to pay this loan off . I called for a payout amount , paid over the phone what I was told . Then a week later I get a call saying I owe them another$1000 dollars.
I explained to them that I called last week , was provided the payout amt and I paid in full . They continue to call me all hours of the day . I also asked for a statement to be sent to my email and I never received it . They continue to call me and I’m not sure what to do . I paid the full amount I was informed via the phone call .
23 October 2024
Unprompted review
Reply from Helpfullending
Hi,
Thank you for bringing this to our attention, and we sincerely apologize for the frustration and confusion you’ve experienced.
To ensure your privacy, we cannot discuss account details here, but we would like to get the details of your experience so that we can properly escalate your concerns.
For more details or to discuss your options, feel free to contact us at info@helpfullending.com or call us at 833-863-1086.
Thanks again, and we appreciate your support!
Thank you,
Helpful Lending
WARNING ⚠️ Do not use this company they…
WARNING ⚠️ Do not use this company they are misleading !!!
Went online for a loan and Helpful lending was the first to respond...when they see your credit score they immediately jump on your response and offer you the loan..I took out a loan for $1.500 and payed the $161 to approve the loan ..2 weeks later they withdrew $618 Dollars out of my account 😒 I immediately put a stop payment on the transaction..Few minutes later Helpful lending call to say the payment didn't go through i explain $618 was outrageous for a $1,500 Dollar a month ..I agree to pay a monthly amount of $150 and there response was sorry you agree to our terms ...I said not for $618 a month? So I ended the conversation with please take me to court we can settle this with the judge ...
FYI: HELPFUL LENDING DONT RESPOND WITH THE SAME BULLSHIT YOU TELL EVERYONE ELSE...YOU KNOW YOU ARE MISLEADING THE CONSUMERS
31 October 2024
Unprompted review
Reply from Helpfullending
Hi Joshua Nieves,
Thank you for sharing your experience. Here at Helpful Lending, it is important to us that our customers understand the terms of the loan, and we apologize that you felt the loan terms were unclear during the verbal verification process.
As outlined in the loan agreement, you’re never obligated to retain the loan for its full term. We offer flexible repayment options designed to help reduce the overall cost of the loan. We’re glad to see you utilized these options, resulting in substantial savings on interest.
To ensure your privacy, we cannot discuss personal installment loans account details here, but we would like to get details of your experience so we can improve our level of service.
We will reach out to you within 48 hours to gather more details about your experience and ensure your concerns are appropriately addressed.
If you have any questions or future needs, please don’t hesitate to reach out to Helpful Lending. We’re available 24/7 at info@helpfullending.com or by phone at 833-863-1086.
Yours truly,
Helpful Lending
Always there when I need help the…
Always there when I need help the most...And best of all, hassle free.
8 November 2024
Reply from Helpfullending
Hi Mayra Gomez,
Thank you so much for your kind words! We’re happy to hear that you found the service hassle-free. Our customers are our top priority, and we strive to make the process as convenient as possible for you!
If you have any questions or future needs, please don’t hesitate to reach out to Helpful Lending. We’re available at info@helpfullending.com or by phone at 833-863-1086.
Thanks again, and we appreciate your support!
Thank you,
Helpful Lending
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