Terms & Rates

What We Offer:

Texas Credit Access Business (CAB) Installment Loan

FlexLendingPro will not serve as the lender for any loans obtained through this site. As a Credit Access Business, FlexLendingPro’s role is to facilitate a loan arrangement between you and an independent third-party lender, and to service the loan once it is approved. Any inquiries, service concerns, or complaints regarding your loan will be handled by FlexLendingPro, not the lender.

View our license and/or registration here.

Rates & Terms

$100 - $3000

180 Days

A CAB fee of $25 per $100 borrowed per day, plus $30 NSF fee.

If any payment is overdue by 10 days or more from the due date, the lender may charge a fee equal to the greater of 7.50% or $5.00 of the unpaid portion of the overdue amount.

TBD

Actual loan terms may vary based on applicant’s qualifications.

You have the right to rescind your loan within three days of signing your loan contract. To access the cancellation forms, click here.

See fee schedule and annual percentage rate.

Fee Schedule and Annual Percentage Rate

The cost of your loan will include a CAB fee of $25 per $100 borrowed per day depending on loan amount, plus a $30 NSF fee. This translates to different annual percentage rates depending on your loan term. Click here to find fee schedules for five common loan amounts offered to our customers.

If you pay off your loan early, we may rebate a portion of your CAB fee. (See table below for an example.)

NEED TO INSERT CHART

Requirements to Apply

18 or older

Verifiable, steady
source of income

Active checking
account

U.S. citizen or permanent resident

Consumer Disclosure Forms

Consumer Credit Notice

This business is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the business, consumers can contact the OCCC to file a complaint or ask a general credit-related question.

2601 North Lamar Boulevard
Austin, Texas 78705
Phone: (800) 538-1579
Fax: (512) 936-7610
Website: occc.texas.gov
Email: consumer.complaints@occc.texas.gov

An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.

Terms Explained

Amount Disbursed

Loan Fee/Finance Charge

Total of Payments

This is the sum of the amount disbursed and the finance charge. It is the total amount you must repay.

Example: Adding together the amount disbursed and finance charge, Jane’s total of payments comes to $2,882.66.

Term

This is the length of time over which your loan must be repaid. You may repay early with no penalty.

APR

APR (annual percentage rate) is a measure of the cost of credit, expressed as a yearly rate.

FlexLendingPro offers a fast, convenient, and flexible solution for your short-term financial needs, providing quick approvals, instant funding, and customizable repayment options entirely online.

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Information

Contact

Flex TX CAB, LLC, operating as FlexLendingPro, is licensed under the Texas Credit Services Organizations Act. License No. 170489, issued by the Texas Office of Consumer Credit Commissioner (OCCC). All loans for which FlexLendingPro acts as a CSO/CAB are funded by an unaffiliated third-party lender and serviced by FlexLendingPro.

Flex TX CAB, LLC, doing business as FlexLendingPro, assists consumers in obtaining credit and/or improving their credit scores by working with third-party lenders. We do not directly offer loans, but help connect consumers to lenders who may be able to provide credit.

Our fees for credit services will be calculated at 99% – 299% of the loan amount you are approved for. All fees will be clearly outlined in your agreement with us. Additional fees may apply depending on the services you request.

You have the right to cancel your agreement with Flex TX CAB, LLC (dba FlexLendingPro) within three (3) business days from the date of signing. To cancel, please contact us at 866-919-2855. If you cancel within this period, you will not be charged any fees.

Not all applications are approved; duration of the approval process may vary. Credit limits/loan amounts are subject to further verification criteria and may vary depending on your individual circumstances and eligibility.

If approved, any requested funds may typically be deposited into your bank account the same business day; timing of funding may vary by product and state. The date and time funds are made available to you by your bank are subject to your bank’s policies.

Loan terms will be provided by the lender and may include an Annual Percentage Rate (APR) ranging from 250% to 450%. Rates and interest may vary based on the loan amount and the applicant’s qualifications. Additional fees may apply, and these terms are subject to your creditworthiness and the lender’s conditions.

As you move through your credit journey, your account may become eligible for reduced charges and/or increased credit limits/loan amounts based on good payment history over time. You will receive notices, as applicable, regarding your individual circumstances and eligibility.

If you have any complaints or concerns about the services provided by Flex TX CAB, LLC (dba FlexLendingPro), you may contact the Texas Office of Consumer Credit Commissioner (OCCC) at (800) 538-1579 or file a complaint online at https://occc.texas.gov/.