Truth in Lending Disclosure

Flex Rent Line of Credit

Lender:

Lead Bank
1801 Main Street
Kansas City, MO 64108

Borrower:

Flex Customer
This Truth in Lending
Disclosure is for notice
purposes only; your customized disclosure will be available in the Flex mobile application by December 18, 2025.

Interest Rate and Interest Charges
Annual Percentage Rate (APR) for Purchases	18%
How to Avoid Paying Interest	We will not charge you any interest on your account if you pay your entire balance by the end of each billing cycle each month.

Fees
Flex Services Monthly Membership Fee	$7.99, payable to Flex on the 15th of each month. Annualized, this fee is $95.88. YOUR MEMBERSHIP WILL AUTOMATICALLY RENEW UNTIL YOU CANCEL. You may cancel by contacting us at help@getflex.com.

How We Will Calculate Your Balance: To determine the balance on which the APR is applied, we take the amount you owe at the end of each billing cycle and subtract any finance charges or other fees. See your Flex Rent Credit Line Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Flex Rent Credit Line Agreement.

Balance Due in Full: Your due date is no later than the end of the calendar month after the close of each billing period. You must pay your balance in full by your due date to continue to use your Flex Rent Line of Credit.

See your Flex Rent Credit Line Agreement for additional information about default, payment, and other terms of your Flex Rent Line of Credit. The Truth in Lending Disclosure above is part of your Flex Rent Credit Line Agreement.

For customers

For partners

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Partner privacy notice

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 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.

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.