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FlexFund
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
With a FlexFund line of credit, accessing money is easy:
Log in to your FlexFund
See how much is available and tap Access funds.
Choose your amount
Request a little or a lot (up to your limit).
Get same-day funds*
The money is deposited directly into your bank account.
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 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 2% fee taken out when you request funds.
What it looks like:
If you advance $1,000, you’ll receive $980 — 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 fee chart. If your balance is $1,000, your Statement Fee would be:
- Biweekly billing cycle: $94
- Monthly billing cycle: $188
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
Meet Ashley
- She has a $1,500 FlexFund and is paid biweekly.
- She advances $1,000, leaving $500 available in her FlexFund.
- Ashley receives $980 (the advance amount minus the Advance Fee).
Minimum payment on $1,000 balance:
Statement Fee
$94
+
Principal Payment (2.5%)
$25
=
Minimum payment due
$119
Monthly billing cycle
Meet Mateo
- He has a $1,500 FlexFund and is paid monthly.
- He advances $1,000, leaving $500 available in his FlexFund.
- Mateo receives $980 (the advance amount minus the Advance Fee).
Minimum payment on $1,000 balance:
Statement Fee
$188
+
Principal Payment (5%)
$50
=
Minimum payment due
$238
Smart ways to use FlexFund
Manage everyday life
Fuel up your car, avoid a late fee, pay rent — whatever the day brings.
Tackle important tasks
Handle car repairs, home projects, or medical costs as they come up.
Pay it down, use it again
Every payment frees up more available funds — without reapplying.
Stay in control
Check your balance and get an advance whenever it works best for you.
Trusted by millions of customers
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