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A Check Into Cash flex loan is an open-end, renewable line of credit that gives you financial flexibility to cover unplanned expenses. With a flex loan, you are in charge. You can withdraw as much or as little cash as you need within your credit limit, and you control how long it takes to repay your balance. This much different than a traditional payday loan. We can keep your flex loan open as long as you want, so you can access additional cash anytime you need without having to reapply.
The Flex Loan Advantage
Qualify for up to $4,000 of open credit in TN
Make cash withdrawals up to your credit limit at any time
Only pay interest for the time you keep the money you borrow
Maintain an open line of credit as long as you want
No application necessary once you have opened your account.
How does a flex loan work?
To get started, visit your nearest Check Into Cash Tennessee store locationOpens in a new window and apply for up to $4,000 of open credit. You can withdraw cash up to your credit limit at any time, and interest will be charged on the amount of time you keep the money you borrow. As you pay off your balance, your available credit renews, so you can continue to borrow within your credit limit without having to reapply.
A flex loan offers several repayment options to choose from. You can choose to repay the minimum required payment with each periodic statement, or you can make a larger payment to pay off your balance more quickly. Repaying your account balance early reduces your interest. You also have the freedom to pay off your balance in full at any time with no prepayment penalties.
What do I need to get a flex loan?
To apply for a flex loan at one of our Tennessee stores, bring in your:
Valid government issued photo ID
Checking Account and Bank Routing Numbers
Verbal verification of gross monthly income
You have questions, we have answers.
Flex Loan FAQs
QWhat is a flex loan?
AA flex loan is an open line of credit that offers you convenient access to the money you need. You can borrow as much or as little cash as you need within your approved credit limit. Then, you can choose to repay the minimum balance with each statement, or make a larger payment to pay off your balance more quickly. There is no pre-payment penalty, so you control how long it takes to repay. Your flex loan can remain open for as long as you want, so you can maintain access without having to reapply.
ATo apply, you must be at least 21 years old. You will also need your:
• Social Security Number
• Government issued driver’s license or photo ID
• Proof of income (Your most recent pay stub, for example)
• Proof of residence
QWill I need to provide collateral for a flex loan?
ANo. Our flex loan is unsecured, meaning that no collateral is required.
QHow will I be billed for a flex loan?
AThere is no application fee. There is a $10 minimum monthly fee to maintain access to your flex loan. You will then be charged interest and a percentage of any funds you withdraw each month.
Q Can I get a flex loan if I have bad credit?
A Yes. Even if you have bad credit, you may still qualify for a flex loan.
For rates and terms in your state of residence, please visit our Rates and Terms page. As a member of CFSA, Check Into Cash abides by the spirit of the Fair Debt Collection Practices Act (FDCPA) as applicable to collect past due accounts. Delinquent accounts may be turned over to a third party collection agency which may adversely affect your credit score. Non-sufficient funds and late fees may apply. Automatic renewals are not available. Renewing a loan will result in additional finance charges and fees.
For online Customer Support please contact us at 1-877-262-2274.