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FLEX Loans – Tennessee


Whether you need cash for three days or three months, we want to get you the right amount of cash for every situation and give you the flexibility and control you need. Unlike a Payday Loan or an Installment Loan, FLEX Loan gives you the ability to apply once and withdraw cash at any time (up to your credit limit). And with a FLEX Loan, you pay it back at your own pace, with conveniently scheduled payments. FLEX Loans are anywhere from $25 up to $4,000.

Here’s how it works. On your loan due dates, you have the option to pay only the minimum amount due or pay an additional amount so you can pay down your balance quicker. There’s never any late fees. As you pay down your balance, you will have access to take out additional cash up to your credit limit. An Advance Financial FLEX Loan puts you in complete control. You can pay off your loan early without penalty and we will even keep your line of credit open so you can withdraw more money at a later date.

If you have any questions, feel free to call Customer Service or ask one of our store associates for more information about our fee structure.


What do I need to bring with me in order to get a FLEX Loan?

  • Photo ID
  • Verifiable Income
  • Open / Active Bank Account
  • Vehicle title or registration, if you want to use your vehicle as collateral

How much can I receive with a FLEX Loan?

You can receive $25 up to $4,000.

How long do I have before I am required to pay back my loan?

You can pay back your FLEX Loan anytime and you only pay interest and fees for the amount of time you keep the money.

Is there a lump-sum payoff or can I make payments?

It’s completely flexible. You can pay the minimum payment due or you can pay in full anytime you like.

How much does it cost?


Example Rates & Terms for a FLEX Loan

Minimum and Maximum payments by amount borrowed and loan length.



The above examples do not include all available loan amounts. The Total Finance Charge includes the Periodic Interest Rate and the Customary Fee.

Payment Example

The example below shows one cash advance with two minimum payments prior to payment in full. This is only an example. We do not require two minimum payments prior to payment in full.


Advance Financial loan agreements are governed by the State of Tennessee.