Flex is a bill-payment app that lets you see, split, and pay your monthly bills, rent, mortgage, car payment, utilities, phone, insurance, and childcare, in one place. You can pay any of them in full, or split an eligible bill into 2 smaller payments on dates you choose. Your biller gets paid the full amount upfront either way.

Rent, car payments, mortgages, utilities, telecom, car insurance, home insurance and childcare.

You pay part of the bill when it’s due and the rest on a date you pick later. Flex sends the biller the full amount up front. You choose how much to split and which date to make the 2nd payment, and you can move that date if your plans change.

Up to $5.99 a month for membership, a 0.5% processing fee on the bill amount, and a split fee of up to 3%. The split fee is based on how much you borrow to split and cannot be reduced with early repayment. Paying by credit card adds a 2.5% surcharge. There are no late fees and no penalties from Flex.

Flex works wherever you rent — whether you pay through a portal or pay a person directly. We also support thousands of billers across mortgage, utilities, auto, childcare, insurance, internet, phone and TV.

We may run a soft credit check to see if you’re eligible. If we do, it won’t affect your score. But when you opt in to Rent Reporting, using Flex can help your credit; your on-time rent payments get reported to TransUnion, Experian, and Equifax, turning the bill you already pay every month into real progress on your credit history.

No. Cover any bill in one payment whenever you want and skip the split fee — split again later with no reapplying.

Yes. Flex is a financial technology company headquartered in New York, and its lines of credit and payment services are provided by Lead Bank and Column N.A., both Members FDIC. With Flex, your rent is sent to your property or landlord in full. On-time payments are reported to Equifax, Experian, and TransUnion, and all fees — including the monthly membership fee — are disclosed upfront before you enroll. You can read renter reviews and see how Flex compares to other options at getflex.com/reviews/ and getflex.com/compare/.

While both let you split a payment, Flex is designed for a problem specific to monthly bills: rent and other essentials fall due on set dates, and income doesn’t arrive on the same schedule. With Flex, your rent is paid in full and on time at the start of the month. You make your 1st payment when rent is due and your 2nd payment later in that same month on a date you choose — one that can better align with your pay schedule. Buy now, pay later plans typically spread payments over six weeks or more, so part of what you owe lands in the following month, on top of that month’s bills. Here’s what’s different with Flex:

• Your cost is set before you confirm. What you pay Flex is shown upfront and doesn’t grow. Flex doesn’t charge late fees or penalties.
• Built for the bills you already have. See and split rent and everyday bills in one place.
• On-time rent payments can build your credit history. Turn on reporting in the app and payments are shared with three major credit bureaus, at no extra cost.