FlexMoney logoFlexMoney Review 2026

★★★★★ 5.0 · 2 borrower reviews
FlexMoney sets its minimum age at 20, above the age of majority in most provinces. Loans run $500 to $15,000 at 18.9% to 46.93% over six months to five years. Net income of $2,000 a month is required.

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Rates checked August 24, 2026
In business
Since 2021
Customers served
1,500+
Total funded
6M+
Provinces
7 of 13

Our verdict

Written and analysed by Smarter Loans Editorial Team · Reviewed by Rafael Rositsan

Best for
Borrowers aged 20 and over with net income of $2,000 a month
Not for
Anyone under 20, or currently in a bankruptcy, consumer proposal or credit counselling programme
What we like
  • + Funding within 24 hours by direct deposit
  • + Repayment can be weekly, bi-weekly, semi-monthly or monthly
  • + Terms run from six months to five years
Where it could improve
  • − The minimum age is 20, above the age of majority in most provinces
  • − Net income of $2,000 a month is required
  • − Rate reaches 46.93%
  • − Seven provinces served, none of the territories

Products offered

Each product is priced separately. Compare them below.

Personal Loan
Unsecured · AB, BC, NB + 4 more
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Amount
$500 - $15,000
Rate (APR)
18.9 - 46.93% APR
Terms
6 - 60 months
Funding
24 hours
Min income
$2,000/mo

See if you qualify

Four questions checked against FlexMoney's published criteria, per product. No application started.

Answer the questions to check FlexMoney's published criteria
Educational check against published criteria. Not an approval or offer.

Contact FlexMoney

Get in touch

Support and hours

  • Monday-Friday9am to 5pm
  • ChannelsPhone Support, Email Support, Social Media, FAQ's, Client Portal

Borrower reviews

2 reviews from borrowers who used FlexMoney. Reviews are moderated; lenders cannot remove them.

★★★★★ Really fast

I got approved and funded within a few hours. Simple process and the entire experience was fast and pleasant.

Carol
★★★★★ All online

The entire application is online. Like this process a lot.

Jeff

Common questions about FlexMoney

What is FlexMoney?

FlexMoney Canada is a fully digital installment lender with experience issuing fast online loans to Canadians since 2012. They're headquartered in Toronto but have experience lending from coast to coast.

What is FlexMoney's mission?

FlexMoney's mission is to provide access to credit online.

What does FlexMoney do?

FlexMoney offers affordable payments and loan terms ranging from six months to five years, providing installment loans that fit your needs.

Is FlexMoney safe?

FlexMoney are leaders in the digital lending industry. They’re one of the fastest options for an online personal loan in Canada and their application process is seamless. They're 100% online. Which means they take your privacy and security seriously. You can feel confident that with FlexMoney you are sharing your personal information with a Canadian based lender you can trust. Things like bank level encryption is just one of the tools they use to protect your information. Plus, they've helped over 1,500 customers and have funded over $6 million in loan funds.

How much can I borrow from FlexMoney?

You can borrow an online loan of $500 to $15,000 from FlexMoney.

If approved, how quick can I get my loan?

Once you've accepted your electronic loan agreement, FlexMoney processes your loan payout immediately. Generally, for customers banking at a major Canadian financial institution you can receive your money within 24 business hours, or the next business day for after hours.

FlexMoney · $500 - $15,000 · funding in 24 hours Apply Now