Fixed-rate personal loans from $200 to $5,000 with no hidden fees. Check your options in about a minute — with a soft credit check that won't affect your score.
Checking your options won't affect your credit score
$200–$5KLoan range
60 secInstant decision
$0Hidden or signup fees
Get started
Check your options
Soft check — won't affect your credit score.
256-bit SSLBank-level encryption
No credit impactSoft check to apply
Data protectedYour info stays private
Instant decisionAnswer in ~60 seconds
Live activity
$4.2MFunded this week
1,247Borrowers helped today
4.8★Avg. rating (12,400+ reviews)
60 secAverage decision time
Simple by design
Four steps from application to funded
No paperwork, no waiting. Apply online and get an answer in seconds, then pay on a schedule that fits your budget.
Built around your budget
Everything you need in a FlexPay loan
FlexPay gives you clear, predictable payments with none of the traps that come with revolving credit-card debt.
Fixed monthly payments
Your rate and payment amount are locked in on day one. No surprise increases, no compounding interest — just the same amount every month until you're paid off.
Flexible monthly plans
Need more room for a bigger buy? Choose 6–36 month terms with simple interest and a fixed payment you can count on.
No hidden fees
No signup fees, no prepayment penalties, and no surprise charges. Pay early any time and save on interest.
Soft-check prequalification
See what you qualify for before you commit. Checking your options uses a soft inquiry that leaves your score untouched.
Manage it all in one app
Track balances, schedule payments, and turn autopay on or off from a dashboard that keeps everything in view.
Bank-level security
Your data is protected with 256-bit encryption and industry-standard identity verification on every application.
The numbers
Borrowers choose FlexPay for a reason
2M+Active customers
$1.8BFinanced to date
4.8★Average app rating
60 secTo an instant decision
Why FlexPay
FlexPay vs. a typical credit card
Revolving credit can turn a short-term need into months of compounding interest. FlexPay keeps the cost fixed, the term clear, and the payoff date on the calendar.
Feature
FlexPay
Typical credit card
Fixed monthly payment
Yes
No
Cost known upfront
Yes
Varies
Compounding interest
Never
Common
Signup fee
$0
Up to $99
Prepayment penalty
None
None
Check without credit impact
Soft check
Hard pull
Loved by customers
Real people, real budgets
"I needed $1,500 for an unexpected car repair. Got approved in a minute and had the money the next morning. Fixed monthly payment made it easy to budget."
Maya R.Austin, TX
"Checking my options didn't touch my credit score, which sold me instantly. The monthly plan made a big repair affordable."
Daniel K.Columbus, OH
"The app makes autopay effortless. Everything is in one place and I paid off my balance a month early with zero penalty."
Priya S.San Jose, CA
Stay in the loop
Smart borrowing tips, straight to your inbox
Occasional emails on credit scores, budgeting, and how to borrow without getting burned. No spam, unsubscribe anytime.
Good to know
FlexPay questions, answered
Does applying affect my credit score?
Checking whether you prequalify uses a soft inquiry, which does not affect your credit score. A hard inquiry only happens if you accept a plan that requires one — and we'll always tell you before that step.
Who is eligible to use FlexPay?
You must be a U.S. resident, at least 18 years old (19 in some states), and have a valid debit or credit card plus a U.S. phone number. Approval and terms depend on factors including your credit profile and purchase details.
How much does a FlexPay loan cost?
APRs range from 9.99% to 34.99% depending on your credit profile, income, loan amount, term, and state of residence. There are no application fees, prepayment penalties, or hidden charges — your exact rate and monthly payment are disclosed before you accept.
What happens if I want to pay early?
You can pay off your balance early at any time with no prepayment penalty. On monthly plans, paying early reduces the total interest you pay because interest is simple, not compounding.
How fast will I get my money?
Most approved loans are funded within 1 business day via ACH direct deposit to your bank account. Timing depends on your bank — some deposits appear the same day, others the next morning.
Check your options in under a minute
See what you qualify for with a soft check that won't affect your credit score. No fees to apply, no obligation to accept.
A $3,000 loan with a 24-month term at 19.99% APR would have 24 monthly payments of $152.61 and a total repayment of $3,662.64, assuming on-time payments. APRs range from 9.99% to 34.99% based on your credit profile, income, and state of residence. Not all applicants qualify. See full disclosures.
