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  <!-- Core pages -->
  <url>
    <loc>https://www.getflexi.ca/</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <url>
    <loc>https://www.getflexi.ca/about</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/how-it-works</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/contact</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Product pages -->
  <url>
    <loc>https://www.getflexi.ca/personal-loans</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/cash-advance</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/rates-and-fees</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/credit-score</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/oliver</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Education / content -->
  <url>
    <loc>https://www.getflexi.ca/financial-literacy</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/understanding-apr</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/credit-score-guide-canada</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/borrowing-responsibly</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/how-simple-interest-works</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/consumer-rights-canada</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/help</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/blog</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Auth (excluded from sitemap — conversion endpoints, no SEO value) -->

  <!-- Legal -->
  <url>
    <loc>https://www.getflexi.ca/privacy</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/terms</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

  <!-- Province pages -->
  <url>
    <loc>https://www.getflexi.ca/personal-loans-ontario</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/personal-loans-alberta</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/personal-loans-british-columbia</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/personal-loans-manitoba</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/personal-loans-saskatchewan</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/personal-loans-nova-scotia</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/personal-loans-new-brunswick</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/personal-loans-newfoundland</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/personal-loans-pei</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/personal-loans-yukon</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/personal-loans-northwest-territories</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/personal-loans-nunavut</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Use-case pages -->
  <url>
    <loc>https://www.getflexi.ca/emergency-loans</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/debt-consolidation-loans</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/car-repair-loans</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/medical-expense-loans</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/moving-loans</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/home-improvement-loans</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/wedding-loans</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/back-to-school-loans</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/newcomer-loans</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/bad-credit-loans-canada</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Comparison pages -->
  <url>
    <loc>https://www.getflexi.ca/getflexi-vs-payday-loans</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/getflexi-vs-credit-cards</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/getflexi-vs-bank-loans</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/getflexi-vs-bree</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/getflexi-vs-borrowell</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.getflexi.ca/getflexi-vs-mogo</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

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