Many loans have fees or charges other than the obvious interest. This is not unique in case of unsecured short term loans or payday loans. Banks have their charges and some of them are quite unreasonable with their fees. Different types of secured loans also have processing fees and other service charges. Payday loans can have processing fees. It is the discretion of the lender. Any lender can levy a charge or fee if they think their service warrants the same. However, this should be conveyed to the borrower and there must be no ambiguity whatsoever. Borrowers have the right to know in advance if they are being charged any extra fee and if so then for what purpose.
While lenders have the right to charge a processing fee and any facilitating agency or website can charge a commission, you should not entertain any such extra cost. You should not pay processing fees or brokerage for payday loans. Flex Repay does not charge any brokerage. The website is used as an advertising and facilitating medium by lenders. Whatever financial arrangement exists is between Flex Repay and the lender. Borrowers or users of the site are not asked to pay any commission. There may be other websites that would charge brokerage. You should avoid using such sites.
Payday loans are designed as a stopgap remedy for urgent financial problems. These loans are not used to procure assets such as a house or car or to make any investments. Payday loans are effectively cash that borrowers need for a pressing issue. Hence, it is unreasonable for such an emergency financial service to have additional fees. It defeats the purpose of payday loans being useful in times of need. There are substantial interests anyway for lenders to make money. If you come across lenders that are asking for processing fees or other charges, you should simply discard such quotes or propositions.