Financial terms
Annual Percentage Rate (APR) Disclosure & Range (Qualified Customers)
The Annual Percentage Rate (APR) is the yearly rate of interest that borrowers pay on a loan, including all fees and costs. Expressed as a percentage, it represents the total yearly cost of borrowing money over a loan's lifetime. APR serves as a standardized measure that helps consumers easily compare different financial products from various lenders, whether for loans, credit cards, or investments.
flex-loans.com cannot guarantee any APR since we are not a lender ourselves. We partner with Loanz CA, who is a Lender Match service to help users find a loan that fits their needs. An APR can generally run between 29.9% up to 46.9%. Loan products generally have a 61-day minimum repayment term and a 72-month maximum repayment term. Before accepting a loan from a lender within our network, please read the loan agreement carefully as the APR and repayment terms may differ from what is listed on this site.
Representative Examples of APR, Total Loan Costs & Fee (For Qualified Customers)
Amount | Period | APR | Monthly | Total Paid |
|---|---|---|---|---|
$1,000 | 12 mo | 29.9% | $95.14 | $1,141.68 |
$2,000 | 12 mo | 29.9% | $190.28 | $2,283.36 |
$4,000 | 60 mo | 46.9% | $178.30 | $10,698.00 |
Financial Implications (Interest & Finance Charges)
flex-loans.com is not a lender, and we cannot predict what fees and interest rates will be applied to any loan you may be offered. Your lender will provide all the necessary information about the associated costs of a loan they wish to offer you. You are responsible for reviewing the loan agreement carefully and accepting the offer only if you agree to all the terms. You will not be charged any fees by using our website.
Late Or Non-Payment Implications
By accepting the terms and conditions for a personal loan, you essentially agree to repay the loan both:
with interest; and
in the time frame specified in the loan agreement.
In most cases, failure to repay the loan in full, or making a late payment, can result in additional charges.
flex-loans.com has NO ability to predict or estimate what supplemental charges will be incurred in the event of late, partial, or non-payment. flex-loans.com also has NO control or knowledge of any loan agreements or details between you and your lender.
Please carefully review the late, partial, and non-payment policies that your lender provides with your loan agreement. flex-loans.com works hard to partner with only the most trustworthy and reputable lenders who pursue the collection of past-due loan accounts in a fair and reasonable manner.
Potential Impact to Credit Score
Our lenders may perform credit checks to determine your credit worthiness, credit standing and/or credit capacity. By submitting your request you agree to allow our lenders to verify your personal information and check your credit. Please be aware that missing a payment or making a late payment can negatively impact your credit score.
Collection Practices
flex-loans.com is not a lender and, because of this, we have NO involvement in the debt collection process. As part of the lending agreement provided to you by the lender, they will disclose their debt collection practices. If you have any collection questions, please contact the lender for complete details. flex-loans.com only works with reputable lenders who use fair collection practices.
Legal Disclaimer
Any display of APR, loan amounts, interest or other loan details are estimations only, and actual amounts will vary by lender or lending partner and by borrower. Please note that some lenders or lending partners may perform credit checks as part of their credit transaction approval process. The lender or lending partner you connect with may not offer the best possible terms and borrowers should always compare all available options before making any decisions. THE OWNERS AND OPERATORS OF THIS WEBSITE ARE NOT LENDERS, they do not broker loans and they do not make loans or credit decisions. Nothing on this website is an offer or a solicitation to lend. Any information you submit to this site will be provided to a lender or lending partner. The operator of this website is not an agent, representative or broker of any lender or lending partner and does not endorse or charge you for any service or product.
Availability
Every province has its own set of rules and regulations that govern personal loan lenders. Your loan amount, APR and repayment term will vary based on your credit worthiness, state and lender or lending partner.
Material Disclosure
The operator of this website is not a lender, loan broker or agent for any lender or loan broker. This website is not an offer of credit nor is it a solicitation to lend. We are not affiliated with any lender. There is no fee to use our services.