# 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 FlexFund, 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 time between statements — usually every two to four weeks, depending on when you get paid. **Statement** A summary of what you owe for that billing cycle, including any 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 access funds 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) Image ![State loan license](https://cdn.advanceamerica.net/public/media/images/2025-04/badge-state-license.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 128,216 reviews ##### How fees work × If your statement balance is...And your billing cycle is...BiweeklyMonthlyThen your statement fee is...$0.01-$9.99$0$0$10-$99.99$5$10$100-$249.99$14$28$250-$499.99$27$54$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 ## License / Registration [ ![](https://cdn.advanceamerica.net/public/styles/license_thumb/public/media/images/2026-05/flexible-loans-llc-supervised-lender.jpg.webp?itok=oBoWTWlZ) ](#) × ![](https://cdn.advanceamerica.net/public/styles/license_full/public/media/images/2026-05/flexible-loans-llc-supervised-lender.jpg.webp?itok=zemIMsIi) [ ![](https://cdn.advanceamerica.net/public/styles/license_thumb/public/media/images/2026-05/flexible-loans-llc-supervised-lender-web.jpg.webp?itok=2UETqi3p) ](#) × ![](https://cdn.advanceamerica.net/public/styles/license_full/public/media/images/2026-05/flexible-loans-llc-supervised-lender-web.jpg.webp?itok=uOUYpgAM) [ ![](https://cdn.advanceamerica.net/public/styles/license_thumb/public/media/images/2026-05/flexible-loans-llc-maximum-rate-schedule.jpg.webp?itok=391dUgTU) ](#) × ![](https://cdn.advanceamerica.net/public/styles/license_full/public/media/images/2026-05/flexible-loans-llc-maximum-rate-schedule.jpg.webp?itok=B6obUxWM) Flexible Loans, LLC is licensed as a supervised lender by South Carolina's State Board of Financial Institutions pursuant to the South Carolina Consumer Protection Code, §37-3-101. Proof of current license is available on request. File [SC Consumer Rights Pamphlet](https://cdn.advanceamerica.net/public/media/documents/2024-08/LenderRghtsResp_AdvanceAmerica_SC LOC_OL_24.08.20.pdf?VersionId=.QrKA08bnwr2JyqHTW55yrzh0lBKab44 "LenderRghtsResp_AdvanceAmerica_SC LOC_OL_24.08.20.pdf")