bill splitting app*
users
in bills paid
from 680k+ users
Payments that work. So you can work.
Care is taken care of.
Your provider is paid in full, upfront—you get more time to pay. No disruptions to service, so you can keep sick days for when you need them.
Smaller payments that fit your month.
Split more, split less, or move your date. Any month you need to.
No growing balances
What you owe is what you owe. No late fees from Flex and no balance that grows over time.
Your childcare bill, 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.
3.5M+ members. Same feeling.
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This company has helped with not only my rent but also my personal bills like utilities and internet too!! Definitely recommend!
David S.
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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.
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Flex is easy to use. Set it and forget it. Makes budgeting easy. Gives you flexibility to pay bills on time.
Kayla B.
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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.
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Thank God for Flex! I’m able to pay my bills on time!!!
Dani R.
Frequently asked questions
Can I split my daycare payments?
Yes. Check your eligibility in a few simple steps. Then, choose how much of your bill to pay when it's due, and what to pay later on a date you choose within 30 days. Your daycare is paid in full upfront.
Does my childcare provider need to sign up for Flex?
No, your provider doesn't need to do anything. They receive the full amount like they normally would.
What if my childcare costs change?
Schedules change, enrollment changes, rates change. You choose how much to split each month, based on your bill. Change any of it when you need to.
What does it cost to split a childcare payment?
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 childcare payments build credit history?
Childcare payments don't include credit reporting. If you also pay rent with Flex, your on-time rent payments are reported to TransUnion, Equifax and Experian at no extra cost, which can help build your credit history.
Do I have to split 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.
Flex
Your
Bills
