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Complete a personal loan application & get connected with a lender, instantly.
Personal loan options to help you get one step
ahead APR Rates starting at 5.99% up to
35.99% in minutes
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Why FlexPayday?
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Fill it out anytime, anywhere in just a few minutes.
More Options
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Next Day Deposit
Your funds are deposited into your account as soon as the next day.
Why Choose a Personal Loan?
Personal loans offer a flexibility that other types of loans such as car loans and mortgage loans do not offer, since it can be used for a variety of reasons. Personal loans are repaid over a fixed period of time and often times carry a fixed interest rate. Once approved by a lender, you will receive your loan amount up front, and be required to pay the money back with interest in regular monthly payments to your lender.
Are there Applicable Fees?
FlexPayday services are provided free of charge to you. However, the lender you are connected with will typically charge you applicable fees and/or interest depending on the lender and the loan agreement. No matter the case, before you sign any loan agreement, the lender must provide you with a full disclosure of the terms of a loan agreement so you can make the decision that is right ofr you. Please note that is important to read through the terms of agreement prior to signing.
What is “Annual Percentage Rate” – APR?
The Annual Percentage Rate (APR) is the annual rate charged for borrowing and is expressed as a percentage that represents the actual yearly cost of funds over the term of a loan. As loans can vary in terms of interest-rate structure, transaction fees, late penalties, and other factors, a standarized computation such as the APR provides borrowers with a bottom-line number they can easily comprae to rates charged by other lenders. Because FlexPayday does not provide loans itself, it is important to contact the lender you are connected with directly to obtain the specific details of your loan agreement.
Representative Examples of APR, Total Loan Costs & Fee
| Loan Amount | $1,000 | $2,000 | $2,500 | $5,000 |
| Interest Rate | 24.00% | 19.00% | 16.00% | 13.00% |
| Loan Term | 12 months | 24 months | 36 months | 48 months |
| Fee | 3.00% | 5.00% | 10.00% | 12.00% |
| Monthly Payment | $94.56 | $100.82 | $87.89 | $131.67 |
| APR | 29.82% | 24.12% | 22.93% | 18.23% |
| Total Payments | $1,134.72 | $2,419.68 | $3,164.13 | $6,320.12 |
| Total Cost | $164.72 | $519.68 | $914.13 | $1,920.12 |
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FAQs
Frequently Asked Questions.
Here are some common questions about FlexPayday.
How do I repay my loan?
Each lender has to explicitly describe the loan on the loan agreement, therefore we advise that before accepting any loan, you read the loan agreement , especially the parts that contain detailed information about APR and repayment terms.
What if I am late on payments?
Every lender has different late payment penalties and policies. Generally speaking, if you are late on a payment, a lender may charge you with a late penalty. Therefore, it is important to set yourself a reminder so that issues of late payment or non-payment do not occur. Because non-payment and late payment penalties differ by lender, please contact the lender you are connected with directly if you have any concerns or issues repaying your loan.
What qualifications are required to receive a short-term loan?
While all lenders have varying requirements to make an approval decision, there are some requirements that are the same across the board.
- You have a bank account in your name and it has been open and active for at least 30 days.
- Applicants must be at least 18 years old
- Verify your address is in a location where we are licensed to operate