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.


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.