With our highly automated application process we are able to accept your loan application completely online. This allows us to give you a pre-approval or decline notification instantly after successfully receiving your complete application.

Once you've applied, you'll get a decision shortly from our highly automated system, with loan amounts between $500 and $15,000.

Our approval process is highly automated and relies 100% on the information you provide during the process. Although sometimes we are not able to provide a loan approval because of our commitment to responsible lending, often customers are successful by following the below tips before applying again:

• Ensure your personal details are complete and accurate as they are used to validate your identity.
• Pay back any active loan you have with us (you may need to wait for up to 5 days so that we can be sure the funds are cleared)
• Ensure you disable any VPN you might be using.
• Ensure the bank account used on your account is your primary bank account.
• Ensure you have correctly input your employment details including income and expenses.
• Ensure you met our age requirements of 20-65 years old.

If some of these tips do not help, don't get discouraged. You can always re-apply in 30 to 90 days when your financial situation may have changed. We do not penalize our valued customers based on the number of applications submitted.

Once you've accepted your electronic loan agreement, we will process your loan payout immediately.

Generally, for customers banking at a major Canadian financial institution you can receive your money within 24 business hours, or the next business day for after hours.

Yes, when you apply you must consent to a credit check by clicking the check box on the application form. Once your application is submitted our system will first verify your ID, and if successful, it will check your credit score and other information with the credit bureau.

This helps us to make the right credit decision and enables our commitment to responsible lending. It also allows us to provide you with our best interest rate for the most cost-effective loan.

Customers can apply quickly and conveniently online, or through their mobile device for installment loans up to $15,000 with terms between 6 and 60 months. These online loans are personal loans and are paid back through direct debit. We offer weekly, bi-weekly, semi-monthly and monthly repayment schedules.

Our loans can be paid off partially or in full with no penalties. FlexMoney also has no hidden fees or charges. You will only be charged the interest on the money borrowed.

Unlike many other personal loan lenders in Canada, our service is 100% online and automated utilizing bank grade security and encryption, so you can apply 24/7 and receive a decision in minutes.

After you've accepted our offer, your loan is deposited automatically into your bank account. You can read more about our loan process here (linkto: our loans).

Applying for your Personal Loan is free, with no fees or charges to apply or accept a loan offer.

The interest rate on your Personal Loan is determined by several factors and will be clearly provided to you before you accept the loan offer. This way, you're able to make an informed decision related to your payments, total cost of borrowing, and other important details.

FlexMoney is a fully transparent lender, and strives to provide our customers with as much information prior to applying to ensure you're making a smart financial decision.

The amount you can borrow from us will depend on many factors that are built into our automated system.

We offer loans between $500 to $15,000 and you can apply for as much as you need.

Once our secure system has determined your approved amount, simply acknowledge your loan agreement, and we’ll deposit your funds directly to your bank. It’s that simple with FlexMoney.

Yes, we do offer electronic money transfers via Interac's e-Transfer service on pre-payments, early repayments, or full repayments of your loan.

1. Login to your online banking and find the Interac e-Transfer option.
2. For the email address, please input: [email protected].
3. Send your payment! The payment should be automatically deposited. If you’re prompted for a security question, please use the last four digits of your primary phone number on file with FlexMoney.

For detailed instructions or assistance, please contact [email protected].

Absolutely! We encourage you to pay down your loan faster by accelerating your payments. There are no penalties to accelerate your loan payments.

If you wish to do this, please contact our team by email at [email protected].

Payment dates are setup on the same schedule as your payday. We find this to be the most convenient and best way for our customers to repay and avoid additional late fees.

For more information related to your payments you can refer to your loan agreement as well as within your FlexMoney My Account. In your My Account you will be able to review your payment history as well as all upcoming payments.

If you think you may not be able to make a payment for any reason, please contact us immediately. The sooner you get in touch with a member of our Customer Care team, the faster we can put together a plan that works out best for everyone.

If you cannot make a payment according to your payment schedule, please contact us to discuss options available.

We encourage our customers to be proactive and contact us early if you’re experiencing financial hardship. We will try our best to make new arrangements to avoid any stressful situations.

To avoid fees, delays, or charges at your bank we require minimum 3 business day (72 hours) notice prior to any payment due date.

Applying for your personal loan at FlexMoney Canada is extremely fast. Most of our customers complete their entire application and receive a decision in about 10 minutes.

To ensure a fast and smooth process, be sure to provide as much detail as possible.

We recommend having your Social Insurance Number (optional), banking details (branch number, institution number, bank account), your estimated monthly expenses, and your current address of residence on hand for quick reference

1. Your legal name
2. Your email address
3. Your mobile phone number
4. Your date of birth
5. Your Social Insurance Number (optional, but helps make applying faster)
6. Your primary address
7. Your employment status and income
8. Your banking details

If you are new to FlexMoney, you may Apply by clicking here.

If you are an existing FlexMoney customer, you may Apply via your FlexMoney My Account here.

If you anticipate challenges with repaying your FlexMoney loan, please Contact us for an individualized solution.

We are committed to working with all customers on a case-by-case basis to alleviate any financial hardships you may experience. To evaluate your request, we will ask for proof confirming your circumstances.

To expedite your request, please ensure you have this information ready:

• Your full name
• The email address associated with your FlexMoney account
• Your Loan ID (This can be found on your loan documentation)
• Any documentation to support your claim

We appreciate your patience during this period and will provide the best possible service to our customers.