Easy US online loans are a rarity. That’s because most traditional lenders still conduct part of the process in-person, even if you start online. Other lenders do not have a streamlined process, which leads you to spend more time than you should.

However, there’s absolutely no reason to waste your valuable time. You have a better option. Plus, there’s no benefit to applying in-person today. It isn’t safer, faster, or more convenient. In actuality, it is usually just the opposite.

Here are just a few of the reasons why our easy US online loans are your better choice over in-person loans and those offered by other lenders.

Simplified Application Form

When you are looking for an easy loan, you may think it is simpler to visit a lender in-person. However, their application form is usually long and complicated.

Other online lenders haven’t perfected the application process either. Even thought they operate online, they still operate like a mainstream lender. Consequently, applying takes far more time than it should.

Luckily, our easy US online loans are simple. Our application form is short, because we’re not interested in where you lived, worked, or banked years ago. We just want to know where you stand now. Most people complete our form in less than 15-minutes. We will never ask you to visit an office either.

Less Emphasis on Credit

When you apply for a loan through a traditional lender, your credit plays a leading role. In fact, many lenders have a minimum credit score requirement. If your credit score isn’t above it, you can’t qualify for a loan. They’ll turn you down and they probably won’t tell you why.

Luckily, when you apply for one of our easy US online loans your credit is only one of the factors we consider. Since we do not have a minimum credit score requirement, your chances of qualifying may be better.

FlexMoney places more emphasis on your income, than your credit. Yes. We do check it, but we will still consider your application if you earn a steady recurring income and are paid by direct deposit. As mentioned, we’re more interested in your current financial position and not just your credit history.

Process Does Not Impact Credit Score

In-person lenders almost always use a “hard” credit inquiry, which lowers your credit score by up to 12 points. This reduction can last up to three years.

Additionally, a hard credit inquiry provides the lender with all the details on your credit report for the last six years. If you have a small problem on your credit file, that could be enough for them to turn you down.

Luckily, we use a pre-approval process to determine your eligibility for a loan. This involves a “soft” credit” inquiry which does not lower your credit score.

More importantly, our soft enquiry only provides us with a general overview of your financial standing. It is less intrusive as we can’t see every detail on your credit report. Consequently, many people with small issues on their credit file have qualified for our easy US online loans in the past.

Quick Decision

When you submit an in-person application, you should expect that you will wait. In many ways, the process of most in-person lenders is exactly the same as it has been for decades.

Of course, how long you wait depends on the lender and how many files the loans officer has in their in-box. Nonetheless, it is almost impossible for any in-person lender to match the speed of an online process.

However, choose your online lender wisely. Some claim to offer fast loans, but their process is not speedy. Luckily, when you choose FlexMoney’s easy US online loans you’ll have our decision in minutes.

If you’re pre-approved, you’ll also see our terms immediately too. There’s no obligation and no impact on your credit score if you decide not to borrow. Nevertheless, if you want to move forward it’s easy and fast.

Better Than Payday Loans

Many in-person and online lenders offer quick cash loans, but they are payday loans. Unfortunately, many people just want fast money, but don’t realize they have a better option. Payday loans have notoriously high interest rates and a very short repayment period (usually within a few weeks).

Luckily, when you borrow from FlexMoney, our easy US online loans are installment loans. Installment loans offer much lower interest rates. Additionally, you pay regular payments over 12-months, instead of the entire amount in one shot. This makes your payments much more affordable and easier to manage.

Top-Notch Encryption

Completing a paper application form at an in-person lender’s office doesn’t cut it nowadays. Who knows how many people might see your sensitive data and where they’ll store that form afterwards?

Besides that, they will input your personal data into a computer anyways. However, they’re not online loan specialists so data security may not be their priority. Luckily, when you apply online through a good lender, data security is everything.

An online lender’s reputation depends on how well they guard your data. They invest heavily in encryption and use the best software available. Additionally, online lenders are legally-obligated to protect your data and they must meet consumer protection requirements for your state too.

No Fees or Penalties

Many lenders claim to offer easy US online loans, but they also charge unnecessary fees. They glaze over them and make these unnecessary fees sound like regular, expected costs, but they’re not.

One of the most common of these is an “origination” fee. That’s a fancy name for a lender charge to set up your account with them. This fee can be substantial too, since it is based on a percentage of your loan amount. Typically, it ranges between 0.5 – 8% of your loan amount.

FlexMoney does not charge this fee. We consider setting up your account a normal business expense and not one you should have to pay.

Another charge in-person and online lenders may levy is a pre-payment penalty. That’s a cost you pay if you want to pay more of your loan or if you want to pay off your loan early. It is meant to help the lender recoup the interest they would have earned if you’d paid scheduled payments instead.

FlexMoney does charge a pre-payment penalty. Our loans are “open” which means you can pay extra on your loan or pay all of your loan at any time, without penalty.

Fast Funds Release

Few in-person loans can offer this speed considering you must go to the lender’s office, jump through their hoops, and then wait for them to review your file. Even if they do approve you relatively quickly, they will still take time to transfer funds.

Online lenders can approve your loan application, but take their time releasing funds too. Fortunately, that’s not the case with FlexMoney. Our process is fast and easy.

Easy US online loans through FlexMoney offer money in your bank account within 24 hours. If you apply on a weekend or holiday, we usually have your funds to you the next business day.

Outstanding Customer Service

FlexMoney stands above the competition when it comes to customer service. We always communicate clearly with you about all aspects of your loan and reveal our fees and your cost to borrow

If you have questions or concerns, FlexMoney offers a 1-800 number for immediate assistance. We also provide email and website support and an in-depth FAQ page on our website.

Straightforward Qualification Requirements

Our easy US online loans have straightforward qualification requirements. Compare that to most other lenders that usually don’t reveal this information at all. Instead, they want to fill out an application form and wait.

The following are our basic qualification requirements for our easy US online loans:

  • Name
  • Address
  • Valid and Active Email
  • Phone Number
  • Valid Social Security Number or Individual Taxpayer Identification Number
  • Proof of a steady source of recurring income (we consider employment, self-employment, disability, and pension income)
  • Proof of active account with an American financial institution with at least two-months of transactions

Sorry, we can’t help you if you are currently enrolled in an active bankruptcy, consumer proposal, or credit counselling program.

More Details on FlexMoney’s Easy US Online Loans

Here are a few more details of what FlexMoney offers:

  • Loans of between $200 and $2,000
  • 12-months to repay
  • Regular schedule payments
  • Fixed interest rate
  • Simple interest
  • No origination fee or pre-payment penalty
  • Fast process from start to finish.

Visit our website for more information or to start the application process now. We also offer more information on our installment loans here.

FlexMoney is your best option for easy US online loans.