Flex - Rent On Your Schedule

Flexible Finance, Inc.

About this app

Pay rent your way, wherever you live.*
Flex Rent splits your monthly rent into smaller, more manageable payments that are easier on your budget. It helps you pay rent on time, build your credit history, and breathe a little easier every month.

How it works
Flex gives you access to a credit line that you can use for rent. Each month, you pay part of your rent up front and borrow the rest. Flex pays your full rent to your property when it’s due, and you pay Flex back later in the month—on a schedule that works for you and your finances.
*Subject to renter and landlord eligibility. Terms and conditions apply.

Disclosure
Flexible Finance, Inc., together with its subsidiaries (“Flex”), is a financial technology company, not a bank. All loans, banking services, and payment transmissions are offered by Lead Bank or Column N.A., Member FDIC. An application and credit assessment are required. Unsecured lines of credit for Flex Rent are provided for a recurring monthly membership fee up to $14.99; membership automatically renews until canceled. A bill payment fee of 1% of your total rent amount is also charged (an additional 2.5% processing fee applies when using a credit card). Term loans for Flex Move-in are provided at 16.95%-23.84% annual percentage rate (APR) based on state of residence, loan duration, and other relevant factors. A bill payment fee of 1% of your initial payment amount is also charged. Term loans are currently only available to eligible customers in certain states. Other third party fees may apply. See your offer for more details. Positive rent payment history and information about your loan may be reported to one or more national credit bureaus. All loan amounts vary based on eligibility. Any graphics are for illustrative purposes only. Terms and conditions apply. All loan proceeds are disbursed by Lead Bank or Column N.A., Member FDIC; 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.

Licenses
Flexible Finance Brokering, Inc., Nationwide Multistate Licensing System (“NMLS”) ID #2599800
Flexible Finance Servicing, Inc., NMLS ID #2256673
Please refer to NMLS Consumer Access for information on our licenses.

Ratings and reviews

EDIT: I've been using Flex for maybe 2 years now. Makes budgeting easier and I've seen a large jump in my credit report. I honestly like them and they're responsive if you have IT issues which are very rare. Original post: Not off to a great start. I started the process previously and now can't figure out how to use this nonuser friendly app. There is no visible login spot and it continuously tells me my email is used for another account. Can't figure out how to login from any browser or app.

app worked just fine until recently. an update happened that made the app a bit more jank than useful. Logging in was no problem however it won't let me pay rent. every time I try to make a payment with a debit card, it tells me the card is either not active, Not valid, or there was an error and to use a different card. here's the kicker. The app was still able to take 700$+ off the 'invalid card' and load the money into the flex funds yet still tells me I can't use the funds without a card..

these 5 star reviews are FAKE. first of all, customer service is utterly useless. it doesn't matter if you've been using the service for 3-4 years+, they will still tell you there's nothing they can do whenever you want to negotiate your credit limit, request an increase, or need help with anything else important while telling you simultaneously " if there's anything I can help you with, let me know"😐 also, you pay a monthly subscription fee on top of a processing fee with every transaction😐😐