Fast & Simple Canadian Online Personal Installment Loans

Our online personal loan application is available 24 hours a day. Our system will review your application, collect any additional information needed and provide you with a decision on your application as quickly as possible. Once your application has been approved and your online loan agreement has been electronically signed, we will transfer funds into your account straight away. Most customers receive a same day deposit, but depending on the time your loan is approved, funds may arrive the next business day.

Yes, during the application we will check your credit score to provide you with the best rate possible. We do review all levels of credit, but recommend you have fair or good credit score to receive our best rates.

In order to get an installment loan, you must receive at least $2,000 per month in income for the last three months. At this time, we issue loans based on employment income, self-employed income, Canadian Pension Program (CPP), Old Age Security (OAS), and private pension. At this time, we do not issue online personal loans to individuals on Employment Insurance (EI), Disability Benefits, Canada Child Benefit, Student Aid or other government benefits (such as COVID-19 relief benefits).

We are a data driven digital lender based in Toronto, Ontario and issuing loans across Canada. Hundreds of thousands of Canadians have received loans issued using our technology from coast to coast. We provide Canadians with access to fast and convenient financing options from any device. Learn more about FlexMoney Canada here

Our personal loans are 100% online and we’re unable to issue any loans from our physical office location. Therefore, if you need a personal loan, please apply online (linkto). Our office in Toronto is reserved for our staff and operations team 😊.

You can apply for an online personal loan ranging from $500 to $15,000. Once approved, we will confirm your loan amount and provide you with a loan agreement for your review and electronic signature. Have you borrowed too much? Make an early payment at any time!

We offer clients the opportunity to make loan payments based on what works for you. Our flexible options include weekly, bi-weekly, semi-monthly, or monthly. All loan payments will be automatically withdrawn from your bank account that you have on file with FlexMoney. By default, installment loan payments will be due on your pay dates.

No, our online personal loan application is all online. We do not require you to upload any sensitive documents such as Photo ID, bank statements, proof of address, T4 slips or void cheques. Providing up to date and accurate information on your online loan application will result in a fast and easy process and eliminate the need for any additional verification or document requests. Should any additional information be required once your online application is submitted, our Customer Service Team will be in touch with you by phone or email.

No, to get an installment loan with FlexMoney you need to be receiving a net income of $2,000 per month or greater with at least three months of income history. We do issue online personal loans to Canadian citizens receiving employment income, self-employed income, Canadian Pension Program (CPP), Old Age Security (OAS), and income from various private and public pension programs.

Our highly automated system will provide you with a rate once we have reviewed your application. Rates start at 18.9% and you will be provided with an opportunity to review your offer before accepting the loan.

All our loans are funded by direct deposit to the bank account specified on file on your FlexMoney personal loan application. As soon as your online personal loan application is approved, funds are sent to our financial institution and transferred to your account. Most of our customers receive same day funding but depending on your financial institution and the time your loan is approved, it can take up to 24 business hours for your loan to arrive into your bank account.

You can apply for a FlexMoney online personal loan by completing our simple online application form (linkto). The application form takes approximately 10 minutes to complete and is available 24/7 from any device. We are committed to providing a fast and simple experience. Once you submit your application, our system will provide you with an instant decision on whether or not your application has been pre-approved. If any additional information is required to setup your account, our Customer Service Team will be in touch with you. Once approved, your personal loan will be transferred directly into your bank account. Should you have any questions about your installment loan, our Customer Service Team is available to help. Get your application started by submitting an online loan application here.

Our installment loans range in duration from 6 months to 5 years. Depending on your loan amount, income, and re-payment schedule, we will provide you with a suggested loan duration that fits within your budget.

To get an online installment loan from FlexMoney, you need to be a Canadian citizen, have an active mobile phone, a valid email address, be over the age of 20, and receive at least $2000 in income for the past three months. Does this sound like you? Get started with an online personal loan application by clicking here.