Need quick cash? We’ve got you covered.
Complete our online payday loan application
to get connected with the best payday lenders, instantly.
We have no credit check loan options to
help you get the quick cash you need today.
APR Rates starting at 5.99% up to 35.99%.
Why FlexPayday?
One Simple Application
Fill it out anytime, anywhere in just a few minutes.
More Options
We’ll connect you with the best online payday lenders.
Really Quick Cash
Funds are deposited into your account the same day you apply.*
Why Choose an Online Payday Loan?
Payday loans offer a flexibility that other types of loans, such as car loans and mortgage loans, do not. Instead, these no credit check loans can be used for a variety of reasons. You get to decide how your money is used. Payday loans are repaid over a fixed period of time and often times carry a fixed interest rate. Once approved by a lender, you will receive your loan amount up front, and be required to pay the money back with interest in regular monthly payments to your lender.
Are there Applicable Fees?
FlexPayday services are provided free of charge to you. However, the lender you are connected with will typically charge you applicable fees or interest depending on the lender and the loan agreement. No matter the case, before you sign any loan agreement, the lender must provide you with a full disclosure of the terms of the loan agreement so you can make the decision that is right for you. Please note that it is important to read through the terms of agreement prior to signing.
What is “Annual Percentage Rate” – APR?
The Annual Percentage Rate (APR) is the annual rate charged for borrowing. It is expressed as a percentage that represents the actual yearly cost of funds over the term of a loan. As loans can vary in terms of interest-rate structure, transaction fees, late penalties, and other factors, a standardized computation such as the APR provides borrowers with a bottom-line number, they can easily compare it with rates charged by other lenders. Because FlexPayday does not provide loans itself, it is important to contact the lender you are connected with directly to obtain the specific details of your loan agreement.
Representative Examples of APR, Total Loan Costs & Fee
| Loan Amount | $1,000 | $2,000 | $2,500 | $5,000 |
| Interest Rate | 24.00% | 19.00% | 16.00% | 13.00% |
| Loan Term | 12 months | 24 months | 36 months | 48 months |
| Fee | 3.00% | 5.00% | 10.00% | 12.00% |
| Monthly Payment | $94.56 | $100.82 | $87.89 | $131.67 |
| APR | 29.82% | 24.12% | 22.93% | 18.23% |
| Total Payments | $1,134.72 | $2,419.68 | $3,164.13 | $6,320.12 |
| Total Cost | $164.72 | $519.68 | $914.13 | $1,920.12 |
*Scroll to view additional rates
FAQs
Frequently Asked Questions.
Here are some common questions about FlexPayday.
How do I repay my online payday loan?
Each lender has to explicitly describe the payday loan on the loan agreement. Therefore, we advise that before accepting any loan, you read the loan agreement, especially the parts that contain detailed information about APR and repayment terms, in detail.
What if I am late on payments?
Every lender has different late payment penalties and policies. Generally speaking, if you are late on a payment, a lender may charge you with a late penalty. Therefore, it is important to set yourself a reminder so that issues of late payment or non-payment do not occur. Because non-payment and late payment penalties differ by lender, please contact the lender you are connected with directly if you have any concerns or issues repaying your loan.
*What’s required for same day funding?
In order to receive your funds in the same day, you must meet two requirements:
1. You must be approved for a loan from a payday lender that provides same day loan options.
2. You must have a valid debit card on file with your account.
What qualifications are required to receive a no credit check loan?
While all lenders have varying requirements to make an approval decision, there are some requirements that are the same across the board.
- You must have a bank account in your name that has been open and active for at least 30 days.
- Applicants must be at least 18 years old
- Verify your address is in a location where our lenders are licensed to operate