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There’s a better way to pay rent.

Stop letting your biggest bill eat your paycheck. Join 2 million renters splitting their rent with Flex and apply today.

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Takes minutes, no impact on credit
4.8 App Store rating (400k+ combined reviews)

Make rent work with your life. Not against it.

Hear how Flex helps renters pay on their schedule and take control of their finances.
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“I have more choice and say in what I want to do with my money.”
Kalina R.
Weathering crisis
“I found myself in a situation I never thought I’d be in, which was the government shutdown. One day I saw an ad for Flex for federal employees…I thought this is exactly what I needed…it helped ease so much stress and tension and worry and panic regarding my rent. I am very thankful for the Flex program.”
Victoria F.
“It really helps ease the burden when it comes to finances.”
Chris S.
Relief
“I was relieved knowing a tool like this exists that can help me manage my finances and budget, but I was miffed that a tool like this didn’t come along earlier.”
Hanson X.
“I have the cushion of keeping additional money in my account.”
Ashley W.
Life saver
“More months than I can even count, [Flex] has been a life saver. I wouldn’t be able to still have my apartment, if it wasn’t for Flex, so I’m extremely grateful.”
Amber K.
Real Flex members. Paid testimonials. Results may vary.

Works wherever you rent, however you pay

Whether you pay your rent through an online portal or directly to your landlord, you can still split your rent through Flex.

Easier on your budget
Split bills into smaller payments and pay on a schedule that works best for you.
Stay on track
Flex makes sure your most important bills are paid on time—even when life gets unpredictable.
Builds your credit history
Your on-time monthly rent payments can help build your financial future.
Apply now

Trusted by over a million renters

We take that trust seriously. Your data is protected with bank-level encryption and we follow strict financial regulations to keep your information safe. If you ever need support—we're here for you.

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Over 12.7 million
On-time rent payments on behalf of users.
On-time rent payments on behalf of users.

Frequently asked questions

How much does Flex cost?

Flex membership is $14.99/month which gives you more control, flexibility, and financial peace of mind—every month. 1% bill payment fee also applies when you pay rent through Flex.*


*You may be subject to an additional $3 property passthrough fee for each month you use Flex, depending on your property. There is no processing fee when paying with a debit card. An additional 2.5% processing fee applies when using a credit card.

Can I change my payment schedule?

You have the flexibility to reschedule your 2nd payment directly in the Flex app after your rent is processed. When rescheduling, you can choose any business day up to the last day of the current month.

What if my rent fluctuates month over month?

We understand that rent amounts can vary each month, so Flex will adjust the amount of your payments to cover small fluctuations. However, if the rent amount posted by your property is significantly higher or lower than the estimated rent amount you provided during sign-up, Flex will ask you to confirm the rent amount that our system should process before submitting your rent payment.

Do I need to use Flex every month?

Flex Rent is designed to give you the freedom to use it when it works best for you whether that’s every month or as needed. With your monthly membership fee, your Flex Rent Line of Credit stays active and ready for when you need it. If you cancel your Flex account, you’ll need to re-apply to use flexible Rent again in the future.

How do I know if I'm eligible to use Flex?

You must be 18 years of age or older and qualify for a Flex Rent Line of Credit, which we evaluate when you apply, based on your credit report information, payment history, and other factors. You also need to have a debit or credit card to make your payments to Flex. Please note that your rent portal must allow online payments via ACH or debit card, and not all properties qualify for all Flex services.

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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 (including "Flex Rent"), banking services, and payment transmissions are offered by Lead Bank or Column N.A., Member FDIC. An application and credit assessment are required. Unsecured lines of credit for Flex Rent are provided for a recurring monthly membership fee up to $14.99; membership automatically renews until canceled. A bill payment fee of 1% of your total rent amount is also charged (an additional 2.5% processing fee applies when using a credit card). Term loans for Flex Move-in are provided at 16.95%-23.84% annual percentage rate (APR) based on state of residence, loan duration, and other relevant factors. A bill payment fee of 1% of your initial payment amount is also charged. Term loans are currently only available to eligible customers in certain states. 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. All loan amounts vary based on eligibility. Any graphics are for illustrative purposes only. Terms and conditions apply. All loan proceeds are disbursed by Lead Bank or Column N.A., Member FDIC; 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.

Column, N.A. only supports Flex Rent at this time.


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
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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.

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