Need quick cash? Get Flexible Loans Today!*
Complete an online application and get connected with flexible loans in minutes.
We have no hard credit check loan options to help you get the quick cash you need today.
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You can apply for a loan amount between $100 and $3,000.
How Much Do You Need?
Why FlexPayday?
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flexible loans.
One simple application
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Really quick cash
Funds are deposited into your account the same day you apply.*
Why choose flexible loans?
Unlike traditional loans, flexible loans give you more control over your borrowing experience. No hard credit check loans can be used for a variety of reasons. You get to decide how your money is used. Once approved by a lender, you will receive your loan amount up front and pay the money back with interest 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 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 the loan agreement so you can make the decision that is right for you. Please note that it 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. It 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 standardized computation such as the APR provides borrowers with a bottom-line number, they can easily compare it with 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 & fees
| 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 |
APR disclosure
Flexpayday.com is not a lender – as such, we do not have control over the APR you will be offered. We display a Representative APR only as it is based on data offered from multiple lenders. Your loan amount, APR, and repayment term will vary based on your credit worthiness, state and lender or lending partner. Important information: Some lenders and services may not be accessible to residents of all States based on the lender’s preferences and legislation particular to that State.
FAQs
Frequently Asked Questions.
Here are some common questions about FlexPayday.
How do I repay my flexible loan?
Each lender has to explicitly describe the flexible 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, in detail.
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. Some lenders may allow you to add a debit card to your account to help avoid late payments.
*What’s required for same day funding?
In order to receive your funds in the same day, you must meet two requirements:
1. You must be approved for a loan from a payday lender that provides same day loan options.
2. You must have a valid debit card on file with your account.
What qualifications are required to receive a no hard credit check loan?
While all lenders have varying requirements to make an approval decision, there are some requirements that are the same across the board. If you’re looking for flexible loans for bad credit, here are the general qualifications you’ll need to meet:
- You must have a bank account in your name that 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 our lenders are licensed to operate