Flexible Finance short-term loans review

It only has branches in six states — and you can't apply online.

Flexible Finance offers more than payday loans, you can find installment and title loans as well. But with a limited state reach and no online application, it’s not the most convenient lender out there.

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Turnaround time


Product NameFlexible Finance
Loan TermVaries by state
Loan SecuritySecured,Unsecured
Turnaround Time1 day
RequirementsActive checking account, proof of income, government-issued ID, US citizen or permanent resident, ages 18+

What is Flexible Finance?

Flexible Finance is a short-term loan provider that offers payday, installment and auto title loans to borrowers of six states. It doesn’t have an online loan application, which means you’ll need to visit a store to apply.

How much you can borrow depends on the type of short-term loan you’re interested in and where you live. In general, you may be able to borrow up to $500 with a payday loan, up to $2,500 with an installment loan and up to $10,000 with an auto title loan.

Loan terms also vary by state and loan type — with payday loans having the shortest term of just a few weeks, and installment and auto title loans lasting anywhere from six to 12 months.

And when it comes to costs, you’ll be charged interest and fees that vary based on where you live, how much you borrow and your loan term. Like with most short-term loans, don’t be surprised to see APRs in the triple digits — or even higher.

What states is Flexible Finance available in?

Flexible Finance Loans is available in six states:

  • California
  • Illinois
  • Louisiana
  • Missouri
  • New Mexico
  • Wisconsin

What are the benefits of Flexible Finance short-term loans?

Here are a few perks of taking out a loan from Flexible Finance:

  • Quick turnaround. Because you have to apply at a storefront, you’ll receive your loan funds the same day you’re approved.
  • Multiple loan options. Flexible Finance offers payday, installment and auto title loans — though options are limited depending on where you live.
  • Referral program. For every person you recommend to Flexible Finance that takes out a loan, you may receive up to $40.
  • Community involvement. Flexible Finance donates to local charities, including the Make-A-Wish Foundation of Missouri and the Hope Lodge of St. Louis. It also provides financial education courses for children and adults.

What to watch out for

Consider these potential drawbacks before taking out a short-term loan from Flexible Finance:

  • Limited state availability. Flexible Finance is only available in six states. And since you have to apply in person, you’re out of luck if you don’t live near one of its storefronts.
  • Not available online. Instead of offering online loans directly, Flexible Finance refers customers to its partner Blue Frog Loans.
  • High APRs. Because some states allow you to borrow as little as $50, you may face APRs over 1,000%. If you only need to borrow a small amount, you may want to consider a pay advance app instead.
  • No BBB or Trustpilot reviews. Flexible Finance doesn’t have a Trustpilot page, and its Better Business Bureau (BBB) page is empty. This means you won’t know how others fared before you take out a loan.

Compare other short-term loan options

Explore your options by loan amount, APR and requirements. Select the Go to site button for more information about a particular lender.

Name Product Filter Values Loan amount Turnaround time Requirements
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$500 to $4,000
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Comes with the option to change your due date so you won’t fall behind on repayments.
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, Verifiable bank account, US citizen, Ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
LendYou Short-term Loans
$100 to $2,500
Same business day to 1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Monevo Installment Loans
$500 to $100,000
Varies by lender
Credit score of 500+, legal US resident, ages 18+
Quickly compare multiple online lenders with competitive rates depending on your credit.
Fig Loans Installment Loans
$200 to $800, varies by state
As soon as the same business day
3 months of direct deposits, $1400 per month income, positive bank account balance
Get an affordable installment loan that comes with no fees, flexible terms and predictable monthly repayments.

Compare up to 4 providers

Is it safe to apply for a loan from Flexible Finance?

Yes, Flexible Finance has an encrypted website and an industry-standard privacy policy. And since it doesn’t offer an online application, you won’t have to worry about your personal information being compromised online. While this adds an extra layer of security, you should confirm your paper application will be stored in a secure location when you apply in person.

Flexible Finance reviews and complaints

BBB accreditedNo
BBB ratingA+
Customer reviews verified as of16 October 2020
Flexible Finance doesn’t have a Trustpilot page, and its BBB page is completely empty — no ratings, reviews or complaints. This isn’t necessarily a bad sign, but it does mean you won’t be able to gauge how other borrowers fared before applying yourself.

Am I eligible?

To be eligible for a loan from Flexible Finance, you’ll need to meet the following requirements:

  • Proof of income
  • Active checking account
  • Government-issued ID
  • US citizen or permanent resident
  • At least 18 years old

How do I apply?

Since Flexible Finance only offers loans in stores, you’ll need to find a branch near you to apply. Follow these steps:

  1. Go to Flexible Finance’s website and find a location near you.
  2. Visit the store with your ID and proof of income, along with any other documents you need.
  3. Fill out an application with help from one of Flexible Finance’s associates.
  4. Wait for an approval decision.

Provided you have all the information you need to apply, it should only take a few minutes to complete your application. And if you’re approved, you’ll receive your loan funds before you leave the store.

What documents do I need to apply?

The documents you need to bring to a Flexible Finance branch vary by loan type:

Payday and installment loans

  • Driver’s license or state-issued ID
  • Proof of employment or income
  • Proof of an open checking account

Auto title loans

  • Vehicle with a lien-free title
  • Driver’s license or state-issued ID
  • Proof of insurance and registration
  • Proof of an open checking account
  • Proof of employment or income
  • Most recent pay stub

I got a short-term loan. Now what?

The most important part of borrowing a loan is repaying it on time. Flexible Finance allows borrowers to choose between several payment options, including:

  • ACH
  • Cashier’s check
  • Cash
  • Money order
  • Debit card — Visa or Mastercard only

If you’re unable to make your payment, contact Flexible Finance right away to discuss your options and potentially avoid additional missed payment fees. Flexible Finance may report late installment and auto title loan payments to Transunion as well as other, alternative credit reporting agencies.

Bottom line

Flexible Finance offers several short-term loan options to borrowers in six states. But it doesn’t offer an online application, so you’ll need to visit a local storefront to apply in person.

Looking for an online lender? Compare your other short-term loan options or consider one of these less-expensive payday loan alternatives instead.

Frequently asked questions

How can I get in touch with Flexible Finance?

You can visit a Flexible Finance location or call its helpline at 877-386-0561.

Will I need to have collateral for my loan?

It depends. If you opt for a payday or installment loan, you won’t have to put up any collateral. But if you choose an auto title loan, you’ll need to have a lien-free title to secure your loan with.

Why can’t I apply online?

Rather than offer online loans itself, Flexible Finance has partnered with Blue Frog Loans to provide loans to online borrowers. If you want an online loan, you can visit Blue Frog Loans or compare your other online short-term loan options.

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    Default Gravatar
    May 28, 2019

    Hi I want to ask about Flexible Finance company.. Is it registered or not

      Default Gravatar
      May 29, 2019

      Hi Dudu,

      Thanks for getting in touch!

      All companies featured on our site have regulated licenses to operate. Flexible Financing is safe to use and it has an encrypted website and an industry-standard privacy policy.

      There are also other lenders that offer short-term loan that you can compare if you are still looking for suitable options.

      As a friendly reminder, please review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions to see whether it is right for you.

      Hope this helps!


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