From checking your options to your final payment — no paperwork, no jargon, no surprises. Here's exactly what to expect at every stage.
The whole process is designed to take just a few minutes on any device — phone, tablet, or computer.
Answer a few quick questions and tell us how much you'd like to borrow. Takes about a minute, soft check only.
Our system reviews your details in seconds and shows the amounts and terms you prequalify for on screen.
Choose the amount and repayment schedule that fits. You'll see your fixed monthly payment before committing.
Accept your offer and funds arrive as soon as the next business day. Set up autopay and you're all set.
The first step is a short prequalification form. You'll enter basic information about yourself — your name, address, date of birth, income, and how much you'd like to borrow. There's no need to upload documents or dig through paperwork at this stage; it's just a few fields you can complete from your phone in about a minute.
The moment you submit, FlexPay runs a soft credit inquiry. This is the part that surprises most people: checking your options does not affect your credit score at all. A soft inquiry lets us look at your credit profile to build a real, personalized offer, but it stays invisible to other lenders and never appears as a mark against you.
That's genuinely the whole list. FlexPay is designed to serve a wide range of borrowers, so even if your credit history is still developing, it's worth checking to see what you qualify for.
Once you submit the form, there's no waiting by the phone for a callback. FlexPay's system evaluates your application in seconds and returns a decision right on the screen. If you prequalify, you'll see the loan amounts available to you along with the terms attached to each.
This is where FlexPay's transparency really shows. Rather than a vague "you're approved" with details buried in fine print, you get the specifics you need to make a smart choice: the amount, the APR, the term length, and — most importantly — the exact fixed monthly payment for each option.
Every offer is built around three numbers that work together:
Because FlexPay uses simple interest on a fixed schedule, these numbers never shift after you accept. The payment you see is the payment you'll make, every month, until the loan is paid off.
A loan is only a good decision if the payment fits comfortably into your life. That's why FlexPay puts you in the driver's seat: instead of being handed a single take-it-or-leave-it offer, you choose the combination of amount and term that works for your budget.
Prefer a lower monthly payment? Choose a longer term. Want to pay less interest overall and be debt-free sooner? Pick a shorter term with a slightly higher payment. The tradeoff is always visible, so you can make the call with full information rather than guessing.
After you accept an offer, FlexPay completes a quick verification of your details. Once that's done, your funds are deposited directly into your linked checking account — often as soon as the next business day. There are no paper checks to wait for and no branch visits to schedule.
Repayment then follows the fixed schedule you chose. Each month, your payment is drawn automatically if you've set up autopay, which is the easiest way to stay on track and never miss a due date. You'll get reminders before each payment so there are never any surprises.
Life changes, and sometimes you're able to pay off a balance ahead of schedule. With FlexPay, that's always an option and never a penalty. Because interest is simple rather than compounding, paying early directly reduces the total interest you'll pay. You keep the savings — we don't charge a cent for settling up early.
It's the most common thing borrowers worry about, so here's the clear version.
| Soft check (to see options) | Hard check (to accept) | |
|---|---|---|
| Affects your credit score | No | A few points, temporarily |
| Visible to other lenders | No | Yes |
| When it happens | Checking your options | Only if you accept an offer |
| Requires your go-ahead | Automatic & free | Always your choice |
A decision in about a minute, and funding as soon as the next business day once you're approved.
256-bit encryption and identity verification protect every application from start to finish.
Apply, track your balance, and manage autopay entirely from your phone, whenever it suits you.
Checking your options takes about a minute, and you'll get your decision instantly. If you accept an offer, verification and funding typically complete as soon as the next business day.
No. Checking your options uses a soft inquiry that has zero effect on your score. A hard inquiry only happens if you formally accept an offer — and you'll always be told before that step.
FlexPay is designed to serve a wide range of borrowers. Because checking is free and won't affect your score, it's always worth seeing what you qualify for rather than assuming the answer.
Absolutely, with no prepayment penalty. Paying early reduces your total interest because FlexPay uses simple interest rather than compounding.