Flex splits your monthly rent into smaller payments, helping you pay rent on time, improve cash flow, and build your credit history — so you can breathe easier every month.
Each month, you contribute part of your rent to unlock your credit line. We help you pay your rent in full and on time to your property when it’s due. You have the flexibility to choose your payment dates within the month, based on what works best for you and your finances.
Flexible Finance, Inc. (“Flex”) is a financial technology company, not a bank. All lines of credit, banking services, and payment transmissions are offered by Lead Bank. An application and credit assessment are required for approval. Credit line amounts vary based on eligibility (graphics are illustrative only); to access a credit line, you are required to make timely payments each month. Unsecured lines of credit are provided for a recurring monthly membership fee of $14.99 at 0% APR. A bill payment fee of 1% of your total rent is also charged when you pay your rent using the Flex app (additional card processing fee applies when using a credit card). Memberships automatically renew until canceled. Secured lines of credit are provided at 0–9% APR based on your credit worthiness. You are required to maintain a security deposit with Lead Bank. Other third party fees may apply. See your offer for more details. Positive rent payment history and information about your line of credit may be reported to one or more national credit bureaus. Terms and conditions apply. All loan proceeds are disbursed by Lead Bank; neither Flex nor any of its subsidiaries disburse loan proceeds or engage in the movement of consumer funds. Brokering activities are performed by Flexible Finance Brokering, Inc. Servicing and collection activities are performed by Flexible Finance Servicing, Inc.
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Flex FAQ
Is Flex free?
Yes, Flex is completely free and it doesn't have any in-app purchases or subscriptions.
Is Flex legit?
✅ The Flex app appears to be high-quality and legitimate. Users are very satisfied.
Flex gives me to freedom to live on my terms. With the constant increase in rent it’s hard & frustrating to have to give up your entire paycheck to cover rent expenses. Flex allows me to split my payments in two allowing me the flexibility to pay my bills on time as well as have money left over to LIVE. Thank you FLEX!
Love it!
Love that i get to build better credit while renting and the ability to spilt my rent up into two payments allows for so much less stress
Very helpful
Helps so much managing rent payments I’m so glad my complex just added this
Easy to use
Never used flex before so I was a bit worried that it wouldn’t work but knowing that it does work and it’s easy I will continue to use flex for now on
Flex is the best
Flex has helped me so much as I’ve gone through financial hardship this year. I’m genuinely grateful to be able to use it to pay my rent.
Rent flex pay
I love it . It’s easy. I like it because st the first of the month . After paying 1/2 of my rent. I can pay my other bills that’s due . Love it
Great Service
This app is so easy to use and the service it provides is extremely helpful in breaking up your rent payments all while reporting on time rental history to the credit bureaus, it’s a win win.
Great app
Amazing for breaking rent into different days great way to help budget your month.
Not sure how I survived without it
I LOVE FLEX! I’ve been using it for the majority of my lease term. It’s allowed me the flexibility to split my rent payments and still have money for other bills/necessities left over. I would definitely recommend Flex to friends and family that need a little wiggle room between rent payments.
Lifesaver App
This app is amazing, and everyone should know about it! Rent has to be paid, but sometimes our pay schedules do not align with that first of the month due date. We have some of the money, but not all. This app gives you peace of mind that you will be able to pay your rent on time, and keep that roof over your head. Just get it! Even if you don’t use it every month, it is just nice to know you have the option if need be. Even if your property is not listed, they give you a self pay option, which is what I do, and I couldn’t be happier. Thank you FLEX!