Reduce delinquency & delight borrowers with Flex
Empower your customers to split monthly auto payments into two installments—while your business gets paid upfront and on time, every time.
Flex pays $12B in customer bills annually
66%
$0
4.8
Guaranteed on-time payments
- Lower delinquencies: prevent costly repossessions and reduce financial risk.
- Boost operational efficiency: save staff time and effort with automated, reliable payment collection.
- Enhance dealer relationships: strengthen dealer satisfaction by offering consumers more flexible payment options.
- Zero cost to your business: absolutely no fees or operational costs for lenders.
Put bill collection on autopilot
Empower greater cash flow management
Flex pays monthly auto payment on behalf of customer
Users pay their bill to Flex in two payments
Flex pays monthly auto payment on behalf of customer
Users pay their bill to Flex in two payments
What your customers get
- Flexible budgeting: split payments align with payday schedules for easier budgeting.
- Financial control: no long-term contracts, late fees, or penalties.
- Peace of mind: predictable, manageable payments each month.
Why now?
Car payments are at record highs
Subprime auto loan payments are 30% higher than pre-pandemic level.¹
Americans are struggling to keep up
Auto loan delinquencies are nearing Great Recession peaks, driving up repossessions by 10% year-over-year.²
The cycle worsens consumer costs
Rising delinquencies and repossessions increase lender losses, leading to higher interest rates and tougher credit conditions, further trapping subprime borrowers in high-cost debt cycles.
¹ Experian’s Quarterly State of the Automotive Finance Market Report. ²Cox Automotive.
Flex reduces delinquency by enabling simple & affordable payment flexibility
Flex can help keep your customers stay on the road while improving your bottom line
Flexible Finance, Inc. (“Flex”) is a financial technology company, not a bank. All lines of credit, banking services, and payment transmissions are offered by our Partner Bank. An application and credit assessment are required for approval. Unsecured lines of credit are provided for a recurring monthly membership fee of $14.99 at 0% APR. Memberships automatically renew until canceled. Other third party fees may apply. Terms and conditions apply. All loan proceeds are disbursed by our Partner Bank; neither Flex nor any of its subsidiaries disburse loan proceeds or engage in the movement of consumer funds.
