Flex Loans

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Have you gotten into a reborrowing habit? If you find yourself wondering every single pay period “Where’s the Nearest Online Cash Advance?” it might be time to consider arranging a flex loan.

What Is A Flex Loan?

If you think your only alternative to payday loans is personal installment loans, think again. Flex loans are sort of a poor man’s credit card.

Like a credit card, you get approved for a specified upper limit on how much you can borrow, but you don’t have to get the money all at once. You can dip into it as you see fit until it is maxed out.

The downside is that the interest rate is really high, but that’s not very surprising. If you get a cash advance on a credit card, the interest rate for that is also much higher than for using the credit card for purchases.

So this is sort of like having a credit card that only issues cash advances. It’s understandable that the interest rate is high.

A Word Of Caution About Flex Loans

Flex loans have a bad reputation as being “predatory lending” products. Basically, that means they lend to poor people.

Credit cards are sort of the middle-class equivalent of flex loans. The rich person’s equivalent is an equity line of credit on your house, which works sort of like a credit card but usually involves more money. Somehow, no one thinks it’s “predatory” to let rich people access all the cash they want, when they want, though you can lose your house if you use an equity line of credit irresponsibly.

No matter your income level, you can get into real financial trouble if your answer to everything is “I know! I will just borrow the money!” The real solution to financial problems is to cut your expenses, increase your income or both.

Borrowing is only ever a short-term solution to cash-flow problems. That’s it. But Pre-Approved Loans, like flex loans, can help reduce the hassle involved in managing cash flow issues, thereby freeing up more of your time to try to resolve your problems.

What Kind Of Documentation Do I Need to Obtain a Flex Cash Advance?

Because the intended market segment, the paperwork involved is typically minimal. You do need to prove you are a legal adult and a citizen or resident of the US. This can typically be done by providing a copy of your ID, such as:

  • A driver’s license.
  • A state issued ID card.
  • A military ID card.
  • A student ID card.
  • A tribal ID card.

You will also need to provide proof of income, such as a recent bank statement. You may have ready access to a PDF if you bank online.

Start Your Application For A Flex Loan

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