How Flexyfinance Works?

How it works
  • We apply to a large panel of lenders so you don't have to and no fees!
  • Super fast online application process - no paperwork
  • With our large panel of lenders you are more likely to get a loan

Step 1 – Complete our online application form

The online application process is really fast and simple. Please make sure you complete all the details accurately as these are needed in order for the right decisions to be made about your loan. To qualify for a loan you need to meet the following minimum criteria:

  • Be a UK resident
  • 18 years or over
  • In Employment
  • Earn at least £800 a month
  • Have a current bank account with a debit card

Step 2 – We search for lenders in seconds

We have one of the largest panel of lenders in the UK and we search all of them in real time instantly. Within seconds you will have a decision on whether a lender has accepted you or not. Unlike banks our lenders have the most advanced technology for screening and issuing loans to all kinds of people with different credit scores.

Step 3 – A lender issues you with a loan and you get your cash

We do not charge fee’s and there is no paperwork to complete. Most lenders will put the cash into your bank account the same day and some within minutes of approval. Our job is to ensure the process is fast and easy for you to understand.

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Representative APR *

Your Loan And Repaying It:

Your lender will make a decision on whether to give you a loan based on a number of different factors. These will include but are not limited to: checking your identity online (this is why a valid address is needed), checking your age and also checking that you own the bank account you have given so that they do not send money to the wrong person.

In addition to this most lenders will carry out an affordability assessment to ensure you can afford to repay the loan. This may involve carrying out a credit check. Each lender will use different criteria to make a decision on a credit check so do not worry if you believe your credit score is not as good as it could be because it may have improved since last you checked and the lenders criteria may have changed.

The most important thing is not to borrow money you cannot afford to pay back. All lenders want to ensure you are not in a state of stress with your money situation and that the loan you are taking out is right for you and you have been informed about your choices and the various charges.

All lenders will expect you to pay your loan back on your due date. You should ensure you have enough money available in your account for this repayment. If in any circumstances you do not have enough money to pay back your loan you should immediately contact your lender to work out a repayment plan and discuss the options. If you are late in making a repayment your lender may charge you a fee: this will vary per lender.

Generally when entering into a loan agreement you will give the lender the right to automatically withdraw amounts owed under the loan agreement using the nominated debit card you have given. This process is often referred to as auto-withdraw or continuous payment authority (CPA). You have the right to cancel a CPA by contacting your lender directly and initiating the process.

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Representative APR *


Cash Now Form

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Representative APR *

Representative APR *

Amount of credit £500 borrowed for 180 days. Interest: £160.27 Interest rate: 65% per annum (fixed). Representative APR: 91% Total amount payable: £660.27

Period of loan: 3 – 36 months. APR rates from 35.9% to 1294% - your APR will be based on your personal circumstances; we search an extensive panel of Lenders to find you the best APR.

Warning: Late repayment can cause you serious money problems. For help, go to

  • Fund deposited immediately into your bank account
  • 24/7 deposits even on bank holidays
  • No fee’s for taking out the loan
  • No paperwork
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Representative APR *

Responsible Lending

©Flexyfinance is a registered Trading name of Techkredit Ltd which is an Appointed Representative of QV Holdco Ltd, and is entered on the Financial Services Register under reference number: 729430. QV Holdco Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 672826
Techkredit Ltd is registered in England and Wales Company number: 07929994, registered office; 2nd Floor, Malta House, Piccadilly, London W1J, OLE, UK and Licensed by the Information Commissioners Office (registration number: Z3404270)

We are not a lender and do not provide credit to consumers. If you make an application through this website it will be shown to a selection of our lending partners for their consideration.

Where we cannot place you with an unsecured loan Lender we will allow Guarantor and Secured loan Lenders to assess your application. Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Techkredit Ltd does not charge borrowers a fee for the use of the brokerage services, but it receives a commission from lenders or other brokers where borrowers enter into a consumer credit agreement with lenders and brokers following an introduction through this website. As a broker we process the information you provide us and pass this onto our trusted third party lenders and brokers to help you apply for a loan. For more information on how we handle your data see our Privacy Policy.

* This will depend on the lender you are placed with.

¹ Subject to application being approved by the lender. Not all lenders are able to provide up to £5000.

² Money sent instantly on approval *Upon acceptance of the loan offer and entry into an agreement with the lender, the lender will transfer the cash within 24 hours. Clearance of the funds is dependent on whether your bank accepts faster payments.

We Don't Charge Fee's'

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