Frequently asked questions
We offer a range of online loans including installment loans, payday loans, bad credit loans and same-day loans.
To qualify, you must be a Canadian resident, at least 18 years old, have a steady income (employment or benefits), and an active bank account.
Most approved loans are funded within the same day or by the next business day, depending on your bank and the time of your application.
Lenders we work with may perform a soft or full credit check, but we specialize in helping people with bad credit or no credit history get approved.
Loan amounts range from $100 to $35,000 depending on the lender and your eligibility.
Yes! We use bank level encryption to protect your personal and financial information throughout the entire process.
Absolutely. Our lenders allow you to repay your loan early with no penalties, helping you save on interest.
We understand life happens. If you’re having trouble repaying, contact us or your lender ASAP to discuss postponement options or set up a new plan.
What Makes Flexinest Different?
Fast, Simple, and 100% Online
No paperwork, no waiting in line. Apply in minutes and get approved quickly—from anywhere in Canada.
We Say Yes When Others Say No
Bad credit? No credit? We look beyond your credit score to find solutions that work for you.
Transparent Terms
We believe in clear, honest lending. No hidden fees. No fine print traps. Just straight-up info so you know exactly what you’re getting.
Flexible Repayment Options
Everyone’s life looks different—so should your loan. We offer repayment terms that fit your budget and timeline.