The Flex Loan Program is the first consolidation loan offered to individuals based on their ability to pay, not their credit score

  • Flex loans available from
    $1,000 to $50,000
  • Lowest interest
    rates in the market
  • No credit score evaluation
  • Flex loans available from $1,000 to $50,000
  • Lowest interest rates in the market
  • No credit score evaluation

Applying will not affect your credit score.

Join over 150,000 borrowers
on the Flex Loan Program

Easily apply for
a Flex Loan in
3 steps.

1
Pre-Qualify
Complete our application and receive an instant decision
Pre-Qualify
Complete our application and receive an instant loan decision
2
Enroll in the Program
Speak with Pennie specialist to confirm Flex program terms
Enroll in the Program
Speak with Pennie specialist to confirm Flex program terms
3
Receive Funds
Sign agreement and funds will be wired – as soon as next day
Receive Funds
Sign agreement and funds 
will be wired – as soon as next day

Sean’s $29,450 credit card debt at minimum payments would have taken 32 years and $86,792 to payoff

Starting Financial Situation:

Total
Debt $29,450
Monthly
PaymentMinimum
Credit Card
Payoff Time32 Years
Total
Payoff Amount$86,792
After Receiving a Flex Loan:
Total
Payoff $34,918
Monthly
Payment$635
Program
Length48 Months
Total
Savings$51,874
Sean saved 60% on his debt.

Meet Sean T.
From Dallas, Texas

Sean’s $34,918 credit card debt at minimum payments would have taken 33 years and $103,196 to payoff
Before
Pennie:
After
Pennie:
Monthly Payment
Minimum
$635
Time to Payoff
33 Years
48 Months
Sean saved 60% on his debt.

Get a Flex Loan and a Fresh Start

With a starting debt of $25,000
here’s how much you would pay…

$73,442Making Minimum Payments
$39,956Traditional
Consolidation Loan
$29,642

Benefits of the Flex Loan

Significantly Reduce Monthly Payments

Significantly Reduce Monthly Payments

Our program can help you save 40% or more on your monthly payments and put more cash back in your pocket each month.

Our program can help you save 40% or more on your monthly payments and put more cash back in your pocket each month.

Get a Fresh Start on Your Credit

Get a Fresh Start on Your Credit

The Flex Loan is the first product created to help you hit the reset button on your credit. Through our innovative approach we’re able to offer individuals a path to financial freedom at a fraction of the cost of traditional consolidation.

The Flex Loan is the first product created to help you hit the reset button on your credit. Through our innovative approach we’re able to offer individuals a path to financial freedom at a fraction of the cost of traditional consolidation.

Low Credit Score, No Problem

Low Credit Score, No Problem

We believe in looking at the future, not the past. The Flex Loan product was created to offer people a consolidation option based on their ability to pay, rather than their credit score.

We believe in looking at the future, not the past. The Flex Loan product was created to offer people a consolidation option based on their ability to pay, rather than their credit score.

Why apply for a Flex Loan?

Get Pre-Approved

Reduce Monthly Payments

Immediate approval through our online submission process.

Our program can help you save 40% of more on your monthly payment.

Low-Credit Score Accepted

Get a Fresh Start on Your Credit

Low-credit scores accepted. We understand that people are more than FICO scores.

The Flex Loan is the first product created to help you hit the reset button on your credit.

Low, Fixed-Rate Payment

Low Credit Score, No Problem

One low, fixed-rate monthly payment to help you pay down debt faster.

The Flex Loan is based on your ability to make payments today, not your credit score from the past.

Life is flexible. Your lender should be too.

Apply for a Flex Loan
in 60 seconds

  • Your time matters – so we made it fast to get started.
  • BTW it’s a soft inquiry, so it won’t affect your credit score.