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Split your rent into
‍2 smaller payments

Let rent and everyday bills work around you—not the other way around.

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The #1 rent splitting app

3M+
renters served to date
$39B+
of rent paid
4.8
App Store rating with 520k+ reviews

Works anywhere you rent

Whether you pay through a portal or directly to your landlord.
Learn more in our FAQs
Rent gets paid
Make your 1st payment when rent is due. Flex pays your property—in full and on time.
Choose your 2nd payment date
Pick a date later in the month that fits your schedule.
You're all set!
With rent covered, more of your money stays available through the month to flex with your life.
Rent gets paid
Make your 1st payment when rent is due. Flex pays your property—in full and on time.
Choose your 2nd payment date
Pick a date later in the month that fits your schedule.
You’re all set!
With rent covered, more of your money stays available through the month to flex with your life.

The smarter way to pay

Smooth your cash flow
Pay bills in a way that actually lines up with when you get paid—so the rest of your month works better, too.
Build your credit history
Turn the rent you already pay into credit history. We report on-time payments to TransUnion at no extra cost.
Get ahead
No late fees. No growing balances. Just straightforward pricing you can plan around.
See how Flex compares

Pricing with nothing to hide

Every fee, clearly explained

Every charge is shown before you pay. What you see is the whole story.

No growing balance

Your cost is set upfront. It never creeps up the longer you take.

No penalties

Pay early or at your own pace during the month. The price is the price.

Understand your cost

See how Flex fits your month

Rent
→
Split rent into 2 payments for easier budgeting.
Split my rent
Mortgage
→
Split your mortgage payment so it aligns with your paycheck.
Split my rent
Everyday bills
→
Split bills like car, utilities, and phone into smaller payments.
Split my rent

92% of Flex members say their overall financial health improved*

Life Saver
Having a job that doesn’t pay every two weeks makes paying bills more difficult than it has to be. Flex has literally been a life saver. Being able to pay rent in two parts has freed up much-needed finances and allowed me to become current on so many bills.
Tyler Rojas
Great for building credit and managing funds
Great! I find this very convenient to help with building credit while doing something you do every month- pay rent. I also love the fact that I can split my payments up in two payments. 10/10!
Malcolm Gordon
Great app, great place when you need a little help
Flex has helped my family through a difficult time with flexible rent options and helped us get back on track. If you’re hesitant about Flex, give them a try. You will be glad and relieved you did!
Brooke Salazar
Life saver for inflation
My rent has gone up like crazy but my salary hasn’t. Flex has helped me manage my finances so I’m not stressing the first two weeks of the month. So thankful I found this app.
Lara Laine
Budget saver
Cash flow is king — Flex allowed me to get my budget under control and get off the teeter totter. I’ve been able to start putting money away without an increase in income just by stabilizing my monthly cash flow — thank you Flex.
Michael Barrow
Flex has made paying rent exciting, and it looks nice too.
That’s why I chose to use Flex. It’s building credit on something I believe we should already be able to build credit on in the first place.
Elaine Ma
*Data based on a 458 customer responses through Flex’s 2025 Financial Well-being Survey.
Read more reviews

Frequently asked questions

What is Flex?

Flex helps you split your rent into two payments so it’s easier to manage around your paychecks.

How does Flex work?

Make your 1st payment, and your rent will be paid in full and on time. You pick a date later in the month to make your 2nd payment.

Where does Flex work?

Flex works directly with your property or portal. However, you don’t need your building or landlord to partner directly with Flex to use it. In that case, we’ll provide you with a virtual debit card or bank account to pay your rent.

How will my rent be split?

We look at your financial information to approve you for a credit line, which determines your split amount. You’ll see your payment amounts clearly before you decide to move forward.

What does Flex cost?

Paying your rent through Flex costs a monthly membership fee of up to $5.99 + 0.5% processing fee and up to a 3% split fee for your second payment based on how much you borrow.. See how Flex’s total costs stack up vs other options here.

Does Flex charge late fees?

No. Flex does not charge late fees. Your costs are clear and predictable.

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© 2026 Flexible Finance Inc.
California, Minnesota, and Oregon Privacy Requests

Flexible Finance, Inc., together with its subsidiaries (“Flex”), is a financial technology company, not a bank. All loans, lines of credit , banking services, loan disbursements, and payment transmissions are offered by Lead Bank or Column N.A., Members FDIC. An application and credit assessment are required for approval. Availability of Flex services is subject to landlord and biller eligibility. Flex Rent users may pay a recurring monthly membership fee of $5.99; membership automatically renews until canceled. Flex Rent and Flex Bills users must pay a processing fee of 0.5% of your total rent or bill amount is charged when paying your rent through Flex services (an additional 2.5% surcharge applies when using a credit card). A split fee of up to 3% for each line of credit, based on how much you borrow each month, is also charged and cannot be reduced with early repayment. Flex Pay in Full users who are not extended a line of credit, are also subject to the 0.5% processing fee of their total rent amount (an additional 2.5% surcharge fee applies when using a credit card). Flex Pay in Full users who are not extended a line of credit are not subject to a recurring monthly membership fee. 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. Your Flex payment history may impact your access to additional Flex services. All loan amounts vary based on eligibility. Any graphics are for illustrative purposes only. Terms and conditions apply. 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
Flexible Finance Payments, LLC (2713261)
Please refer to NMLS Consumer Access for information on our licenses
‍
Vermont Residents: THIS IS A LOAN SOLICITATION ONLY. FLEXIBLE FINANCE BROKERING, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

All product names, logos, brands, and trademarks are the property of their respective owners. Use of these names, logos, and brands does not imply endorsement.