Explore your options.
Use the calculator to understand monthly and total repayment. Check your budget before applying.
How it works
A clear path.
At every step.
Here’s how a personal-loan application works. Looking for home products? Explore our upcoming lease-to-own collection.
Looking for furniture, appliances or electronics? See how lease-to-own differs.
Tell us about yourself.
Provide the requested personal, contact and financial information. Review the notices and consent requests.
Verify your identity.
Plaid ID verification checks your identification and includes a selfie check to help validate that the application is yours.
Share bank information.
Zum Rails provides banking insights and statements to help assess your circumstances. Read the permissions before connecting.
Complete assessment.
GetFlexi obtains an Equifax credit report for every application. Credit and banking information form part of the review.
Review. Decide.
If you receive an offer, read the APR, dates, total cost and agreement. Accept only when you understand the commitment.
Your information has a purpose
Checks that
help tell the story.
Identity, credit and banking checks help validate information and inform the lending decision.
Understand the verification processEquifax · Credit information
A credit report is obtained for every application. Review the consent and ask questions if you are unsure how an enquiry may affect your file.
Plaid · Identity verification
Identity-document and selfie checks help validate the applicant. Use the verification experience in your application; do not email copies of identification.
Zum Rails · Banking information
Banking insights and statements help assess the application. Review connection permissions and provider notices before sharing information.
No countdown.
No pressure.
Take the time you need to understand an offer, compare alternatives and ask questions.
- Check the total amount you will repay.
- Match payment dates to your budget.
- Understand fees and missed-payment consequences.
- Keep a copy of the agreement.
Make room for
what’s next.
Explore your options. Understand the costs. Take the next step when you’re ready.