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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.
App Store rating (400k+ reviews)

Frequently asked questions

What is Flex for everyday bills and how does it work?

Flex helps you manage everyday monthly bills by giving you flexible ways to pay. You can choose to split your bill into two payments or pay it in full.

If you split your bill:

  • Make a 1st payment before your bill is due
  • Flex pays your provider the full amount on time
  • Make a 2nd payment later in the month

If you pay in full:

  • You pay the full bill upfront through Flex.

Either way, your bill is paid on time—with more control over how you pay.

How do I know if I can use Flex to pay my bill?

You can use Flex for a bill if it’s offered to you. You’ll see Flex as a payment option when paying your bill online, or you may receive an email or notification from Flex letting you know your bill is eligible.

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At this time, Flex supports one bill split per customer, and not all bill types or providers are supported yet. We’re continuing to expand availability.

Are there any eligibility checks to use Flex?

Yes. Flex uses a few simple checks to determine eligibility, including your income, your Flex account history, and a soft credit check. This soft credit check does not impact your credit score.

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At this time, Flex can be used for one eligible bill per customer, though we’re actively working to expand this.

Are there fees for using this?

Flex Bills is offered for a bill payment fee of up to 3% on each transaction, which helps us continuously improve our product and services.
If you pay using a credit card, then an additional credit card processing fee of up to 1.5% will also apply.

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In cases where your provider covers fees, no additional fees will be charged to you.

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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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