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how it works

How it works

The basics

First, you'll need to go to the application form.

Then, just decide how much you want to apply for, and for how long. Your application will then be forwarded to the lenders we work with for a fast decision. If your application is accepted, you will be sent to that lender to complete your application. They may need to check further information, including credit reference checks.

Complete the quick application form with some basic information, including: Address, contact numbers, salary & bank details.

You will make the repayments with the lender, and if you want to repay early, you will only pay the amount of interest that has been gained up until that point. You’ll just need to contact them in order to make that early repayment. That’s the whole point of Flexible Loans – they’re designed to be repaid when suits you.



Our most commonly asked questions

What is a 12 month loan / flexible loan?

A 12 month loan is an instalment loan that you repay in 12 monthly instalments. Flexible loans can be 3-18 months. Your applications go through to our lenders, and if successful, you’ll be forwarded to them to finalise the loan.

How long can I apply for?

You can make applications that last from anything between 3 and 18 months. If we can’t match you with a lender who is willing to offer you the exact time or amount that you are looking for, we’ll get you an offer for the closest that we can.

Who can apply for a loan?

They’re open to anyone to apply, as long as you’re an employed UK resident with a UK bank account aged 18 or over. Your application will be judged on your current circumstances as well as your credit score.

How much can I apply for?

Up to £5,000, depending on how long you want to borrow for, as different lenders offer different amounts for different times. If the option you’re looking for isn’t available, we’ll try to find the closest match. If this isn’t convenient, you’ll be under no obligations to accept it.

How do I repay?

Repayments are set up when you’re accepted, using the information you supply in your application form. The dates will be set up with the lender when you’re put through to them. If you wish to, you can make early payments by contacting your lender, which will mean you also pay less interest overall.

How much will I be charged for a 12 month / flexible loan?

This varies between lenders, and also varies depending on how long you take out the loan for. If you’re accepted, your lender will give you a full breakdown of your charges and repayment plan before you are under any obligations. Please see the representative example for more information.

Will I be charged for late payment?

You should ensure you have enough money to pay your monthly repayment fee otherwise a penalty will be added to the loan. You can manage your loan online to ensure you don’t miss payments and incur additional charges.

What happens if I miss a payment?

Both late payments and missed payments will incur penalty charges. If you miss a payment it could be recorded that you defaulted on the loan. If repeated payments are missed the lender could begin collection proceedings. You should contact your lender if you have problems with repayments, on occasion they may be able to arrange a late payment without charges.

Responsible Lending

Responsible Lending

FlexCredit is proud to be a responsible flexible loans broker. We think that credit can be really useful, but has to be used appropriately. This is why we always do our best to live up to these aims:
  • We won’t encourage you to take out a loan if we are aware it is not suitable for you.
  • We won’t target you with our advertising if we are aware that you have long term financial issues, are unemployed or under 18.
  • We won’t encourage anyone directly to borrow more than they will be able to repay.
  • We won’t charge you a fee to apply.
On top of that we also:
  • aim to give you a clear, full, understanding of our services through our website
  • follow legal and ethical marketing practices.

If you feel we are doing anything that doesn’t live up to these aims, please contact us and tell us.

Where to get advice

If you're experiencing serious issues with debt, a 12 month loan or a flexible loan may not be the right option for you. You’ll be able to find lots of advice that is both free and easily available. We suggest you start at the Citizens Advice Bureau , or the Government debt advice site. You can also go to an independent debt advice charity. All of these should offer free advice – be wary of anywhere that offers to help you with debt in return for a fee. If you are unable to resolve debt issues, you can contact the Financial Ombudsman for free on 0300 123 9123.

How to choose your flexible loan safely

Firstly, check who you’re borrowing from. You should always look for some actual contact details, especially a phone number and address. If something goes wrong, you will need to be able to contact them. Real contact details (not just an email address) are a good sign that the company is accountable. Also, check you can see their licence number either on their homepage or their ‘about us’ page.


It’s definitely worth taking the time to take a serious look at your budget if you haven’t already. You’ll be able to find plenty of good budgeting information online. Before taking out a loan, do work out if you can afford to make the repayments, as they can be far more expensive if you don’t repay when you should.

Implications of Non-Payment

We always recommend repaying on time and our representative examples assume that you will. If you are unable to pay on time, each lender has their own policies with regards to fees and interest, and how they collect outstanding debts. Some lenders may pursue claimants by legal means in the event of repeated non-payment. Most will contact you by phone or letter in order to rearrange payment. Non-payment may result in charges and/or raised interest and may affect your credit score.

Short term loans

Always make sure you’re clear on the terms of the loan before you make a decision to finalise your application with any lenders you are forwarded to. It’s important to realise that flexible loans are not solutions to long term financial problems, and interest will continue to accrue if you don’t repay on time. If you are taking out loans regularly in order to cover normal monthly expenses, you may need some advice or help.

Loan Details

Loan Amount
Maximum Loan Duration

Your Personal Details

First Name
Date of birth
Mobile Phone
Contact Email Address
Home Phone(10-11 Digits)
Work Phone
Loan Purpose

Your Address Details

House Number/Name
Residential Status
Time At Address

Your Income Details

Employment Type
Monthly Pay(£)
Company Name
Time with Employer
Payday Frequency
Your Next Pay Date
Following Pay Date

Your Monthly Expense Details

As a responsible credit broker we believe it is important to understand your regular outgoings.
Mortgage / Rent

Utilities / Bills



Loans / Credit Cards

Other Expenses

Your Bank Details

Paid Direct to Your Bank?
Guarantor Available?
Debit Card Type
Bank Account Number
Bank Sort Code
I have read and accept FlexCredit's Privacy Policies as well as its Website Terms & Conditions. I understand that credit reference and fraud prevention agencies may be used to make lending decisions and for the prevention of fraud and money laundering, and I confirm that I have provided accurate financial information and considered potential future income and outgoings in determining my ability to repay the loan in full.

At Flexcredit we take your privacy & data protection very seriously. As our customer, you have the right to change/ opt out of any marketing permissions you have previously given consent to at any time by request. We would like to keep you regularly informed about financial products & offers from both ourselves and FCA authorised 3rd parties which we believe will be of interest. Please tick at least one of the boxes below if you want to be kept informed about relevant financial marketing offers from CashLady and selected partners of Money Gap Ltd.

Fill in our application form to apply today for a flexible loan up to £5000