# FlexFund† ## Everything you need to know ## Fast. Simple. Flexible. ### One approval. On-demand access. - Lock in your approved amount† - Take what you need, when you need it - Pay fees only on what you use - Repay at your own pace - Tap into available funds anytime — *without reapplying* [Open a FlexFund](https://www.advanceamerica.net/online) [Access my FlexFund](https://www.advanceamerica.net/online/signin/login) ## With a FlexFund line of credit, accessing money is easy: ![The number 1](https://cdn.advanceamerica.net/public/styles/convert_to_webp/public/media/images/2025-01/step-cards-1.png.webp?itok=vzepQm9_) ### Log in to your FlexFund See how much is available and tap **Access funds**. ![The number 2](https://cdn.advanceamerica.net/public/styles/convert_to_webp/public/media/images/2025-01/step-cards-2.png.webp?itok=-vvUZQgp) ### Choose your amount Request a little or a lot (up to your limit). ![The number 3](https://cdn.advanceamerica.net/public/styles/convert_to_webp/public/media/images/2025-01/step-cards-3.png.webp?itok=HX25-1Tb) ### Get same-day funds\* The money is deposited directly into your bank account. [ Open a FlexFund ](https://www.advanceamerica.net/online) [Access my FlexFund](https://www.advanceamerica.net/online/signin/login) ## Breaking down FlexFund **Billing cycle** The period between your statements — either every two weeks or once a month, based on when you get paid. **Statement** A summary of what you owe for the billing cycle, including fees. **Minimum payment** The amount you're required to pay each billing cycle to keep your account in good standing. **Tip:** Paying more than the minimum can help reduce your outstanding balance faster. ## Understanding the fees Two fees apply when you use your FlexFund: 1 Advance Fee **What it is:** A one-time 10% fee taken out when you request funds. **What it looks like:** If you advance $1,000, you’ll receive $900 — but your balance due is still $1,000. 2 Statement Fee **What it is:** A **flat fee** charged each billing cycle, based on your balance and how often you get paid. **What it looks like:** Check the . If your balance is $1,000, your Statement Fee would be: - **Biweekly billing cycle: $69** - **Monthly billing cycle: $138** ### Understanding your payments Each billing cycle, you’ll have a **minimum payment** due, which includes the Statement Fee plus the Principal Payment. The Principal Payment is a **small percentage** of your balance (2.5% biweekly billing, 5% monthly billing) that goes toward paying off what you borrowed. **Tip:** You can always pay more than the minimum payment amount to reduce your outstanding balance faster. ### Let’s break it down... ### Biweekly billing cycle ![Ashley](https://cdn.advanceamerica.net/public/styles/convert_to_webp/public/media/images/2025-11/cargo-advanceamerica-2-clipped-1.png.webp?itok=RLCdB6JL) #### Meet Ashley - She has a **$1,500 FlexFund** and is paid **biweekly**. - She **advances $1,000**, leaving $500 available in her FlexFund. - Ashley **receives $900** (the advance amount *minus* the Advance Fee). ### Minimum payment on $1,000 balance: Statement Fee ### $69 ### + Principal Payment (2.5%) ### $25 ### = Minimum payment due ### $94 ### Monthly billing cycle ![Mateo](https://cdn.advanceamerica.net/public/styles/convert_to_webp/public/media/images/2025-11/de-8-413-sm-150-1.png.webp?itok=VmhZvQQF) #### Meet Mateo - He has a **$1,500 FlexFund** and is paid **monthly**. - He **advances $1,000**, leaving $500 available in his FlexFund. - Mateo **receives $900** (the advance amount *minus* the Advance Fee). ### Minimum payment on $1,000 balance: Statement Fee ### $138 ### + Principal Payment (5%) ### $50 ### = Minimum payment due ### $188 [Open a FlexFund](https://www.advanceamerica.net/online) [Access my FlexFund](https://www.advanceamerica.net/online/signin/login) ## Smart ways to use FlexFund ![Lightbulb icon](https://cdn.advanceamerica.net/public/styles/convert_to_webp/public/media/images/2025-06/lightbulb.png.webp?itok=LW6m2ohv) ![shopping icon](https://cdn.advanceamerica.net/public/media/images/2025-06/shop-cart.svg) Manage everyday life Fuel up your car, avoid a late fee, pay rent — whatever the day brings. ![wrench icon](https://cdn.advanceamerica.net/public/media/images/2025-06/wrench.svg) Tackle important tasks Handle car repairs, home projects, or medical costs as they come up. ![pause icon](https://cdn.advanceamerica.net/public/media/images/2025-06/pause_circle.svg) Pay it down, use it again Every payment frees up more available funds — without reapplying. ![circle right icon](https://cdn.advanceamerica.net/public/media/images/2025-06/arrow_circle_right.svg) Stay in control Check your balance and get an advance whenever it works best for you. [Open a FlexFund](https://www.advanceamerica.net/online) [Access my FlexFund](https://www.advanceamerica.net/online/signin/login) ## Trusted by millions of customers Image ![BBB Accredited business](https://cdn.advanceamerica.net/public/media/images/2025-04/bbb-badge.svg) ![review icon](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/icons/icon-5stars.svg) 200,000+ reviews on**Google** [ ![trustpilot 5 star rating](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/icons/icon-5stars-trustpilot.svg) ![trustpilot logo](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/logos/logo-trustpilot-review.svg) ](https://www.trustpilot.com/review/advanceamerica.net) Rated 4.9/5 based on 131,893 reviews ##### How fees work × | If your statement balance is... | And your billing cycle is... | |---|---| | Biweekly | Monthly | | Then your statement fee is... | | $0.01-$24.99 | $0 | $0 | | $25.00-$49.99 | $2 | $4 | | $50-$99.99 | $4 | $8 | | $100-$199.99 | $8 | $16 | | $200-$299.99 | $16 | $32 | | $300-$399.99 | $21 | $48 | | $400-$499.99 | $31 | $62 | | $500-$749.99 | $41 | $82 | | $750-$999.99 | $55 | $110 | | $1,000-$1,249.99 | $69 | $138 | | $1,250-$1,499.99 | $82 | $164 | | $1,500-$1,749.99 | $96 | $192 | | $1,750-$1,999.99 | $110 | $220 | | $2,000-$2,249.99 | $124 | $248 | | $2,250-$2,499.99 | $137 | $274 | | $2,500-$2,749.99 | $151 | $302 | | $2,750-$2,999.99 | $165 | $330 | | $3,000-$3,249.99 | $179 | $358 | | $3,250-$3,499.99 | $192 | $384 | | $3,500-$3,749.99 | $206 | $412 | | $3,750-$3,999.99 | $220 | $440 | | $4,000-$4,249.99 | $234 | $468 | | $4,250-$4,499.99 | $247 | $494 | | $4,500-$4,749.99 | $261 | $522 | | $4,750-$5,000 | $275 | $550 |