bill splitting app*
users
in bills paid
from 680k+ users
Flex one bill. Or many.
Choose which bills to split each month, and when to make your 2nd payment.
Utilities
Electric, water and trash. Keep everything on while you pay half now, half later.
Childcare
Daycare, after-school and sitters. Split it and make the rest of the month easier.
Internet,
Phone & TV
Broadband, mobile and streaming. Bundled or separate, pay on your schedule.
Insurance
Auto, renters and home. Coverage stays active. You Flex the payment.
Set your payment schedule. Change it when life does.
Choose how you want to pay each bill: split in 2 or all at once.
Your bills get paid when they are due.
You pay us back on your schedule each month.
Your bills, flexed.
How your bills split
Fee Info.
- Processing fee: 0.5% of your total bill amount. Covers sending your full payment to your provider.
- Split fee: Up to 3%, only on the amount you borrow. Covers the cost of borrowing from Flex. Cannot be reduced with early repayment.
- Credit card: If you chose to pay with a credit card, a 2.5% surcharge applies. Credit cards may not be used for mortgage or car payments.
Get your bills together.
See everything in one place.
Know what is due before it is due. Utilities, childcare, internet, phone, insurance and more, all in one app.
Make the month work around you.
Adjust your split and 2nd payment date when plans change. Your provider still gets paid in full, on time.
No balance that grows in the background.
Flex doesn’t charge late fees or have revolving balances. You’ll always see what you owe and what you’re paying for.
3.5M+ members. Same feeling.
“
This company has helped with not only my rent but also my personal bills like utilities and internet too!! Definitely recommend!
David S.
“
It helped me budget my bills and my paychecks by allowing me to split payments while paying bills on time. Win-win situation!!!
Andre W.
“
Flex is easy to use. Set it and forget it. Makes budgeting easy. Gives you flexibility to pay bills on time.
Kayla B.
“
This app is literally saving me from stressing out about not having my payments in full. Rent, car insurance, electric so far and I’ll be adding more. Just to help me with cushion as I get more on my feet!
Ashley R.
“
Thank God for Flex! I’m able to pay my bills on time!!!
Dani R.
Frequently asked questions
Which bills can I split with Flex?
You can split utilities (electric, gas and water), childcare, internet, phone, TV and insurance payments, plus your rent, mortgage and car payment. Add each bill in the Flex app and you'll see which of your bills are eligible to split.
How does splitting a bill work?
You pay part of the bill when it's due and the rest on a date you pick within 30 days Flex sends your provider the full amount on the due date. You choose how much to split and when to make the second payment, and you can change either one any month.
Will my service be interrupted while I'm splitting a bill?
No. Your biller receives the full amount on the due date — the same as if you'd paid in full yourself. What your utility, provider or insurer sees is an on-time payment. Splitting changes when you pay Flex, not when your biller gets paid.
What does it cost to split a bill?
There’s a 0.5% processing fee on the bill amount, and a split fee of up to 3% on your 2nd payment — charged only if you split. The split fee is based on how much you borrow and cannot be reduced with early repayment. Paying by credit card adds 2.5% surcharge. There are no late fees and no penalties from Flex. You don’t have to pay a membership fee to split an everyday bill.
Does splitting my everyday bills build credit?
Flex reports on-time rent payments to Equifax, Experian and TransUnion which can help build your credit history. Everyday bills aren't currently reported to the credit bureaus.
Can I pay my bills with a credit card?
Yes, you can pay Flex with a debit or credit card. Paying by credit card adds a 2.5% surcharge, which you'll see before you confirm. Credit card cannot be used for mortgage or car payments.
Do I have to split every bill, every month?
No. Pay any bill in full any month, and you won't pay a split fee. You choose bill by bill, month by month, and won’t have to reapply.
Does Flex work with my provider?
Flex works with thousands of providers nationwide. Select your provider in the app to check eligibility — it takes a couple of minutes doesn't affect your credit score.
Flex
Your
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