Browse topics like loop Skip to Videos All | predatory debt | APR | credit concepts | credit scores | determining loan costs | how loans work | tribal loans | flex loans | @betterfi | @spikeatbetterfi | 12 Years Ago Tennessee Created "Flex Credit" #credit #debt 12 years ago Tennessee created “flex credit” and could barely articulate the costs on the state house floor. Tennessee is Home to Something WORSE than a Payday Loan #debt Tennessee is home to something worse than a payday loan: it’s called a “flex loan.”