Flex - Rent On Your Schedule

Flexible Finance, Inc.

About this app

Rent pay, your way.


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.

Ratings and reviews

It was working pretty well, very convenient, and the perks are good; then, this month, my rent payment wasn't made, and I was charged a late fee by my property. Luckily, they were nice enough to waive the fee once I explained what happened, and she explained to me how Flex works. And I really hate that they don't post a phone number, and the bot is not helpful at all!! All in all, though, I have been satisfied!

Flex pays your rent in full on the first of the month. You make 2 monthly payments plus a $15 membership fee on the 15th of the month. Autodraft is required, but they let you choose the second payment date. The first payment is auto drafted on the first. The second one is auto drafted on your chosen day unless you decide to pay early. Very convenient. My only suggestion is to give the ability to pay the membership fee early as well or an option to combine it with the second monthly payment.

Update 10/24 My apartment complex was updating their system, I canceled flex to make sure my payment wasn't late. I reapply for flex, and my payment is more, and my credit is less. Nothing had changed with my credit score, and I have made my payments to flex early every time for over a year. I can see how much they value their customers. I have had a couple of issues with the app. No button to ok change rent payment amount, also no way to make early payment for first payment.