When you have a financial need, Advance Financial is your one-stop shop. Our online lending services are always available, so we’re ready and happy to help! Our FLEX Loan is not a payday loan. It’s an open-end line of credit. With a FLEX Loan, you can borrow up to $4,000. A FLEX Loan allows you to get the cash you need when you need it and only pay for the time that you use it. You can get an one of our online loans without leaving the comfort of your own home. You must live in Missouri or Tennessee. If you live in Tennessee, you can choose to pick up your cash in-store, or have it sent to your bank account (usually within a day).