State Licenses and Consumer Information

Flexible Finance Brokering, Inc. (NMLS #2599800) holds the following licenses. Please refer to the NMLS Consumer Access website for information on our licenses.

State	License
Missouri	Credit Services Organization #CR-25-9674
North Carolina	Loan Brokering Registration #1066
Rhode Island	Loan Broker License #20244802LB (Conditional Approval)
Tennessee	Industrial Loan and Thrift Company Registration #2599800

Flexible Finance Servicing, Inc. (NMLS #2256673) holds the following licenses.

Please refer to the NMLS Consumer Access website for information on our licenses.

State	License
California	Debt Collection License #10319-99
Delaware	Collection Agency License #2024707965
Idaho	Collection Agency License #CCA-2082256673
Indiana	Collection Agency License #2256676
Iowa	Debt Collectors
New Mexico	Collection Agency License
North Dakota	Collection Agency License #CA104833
Oregon	Collection Agency Registration
Rhode Island	Debt Collector Registration #20244769DM
South Dakota	Money Lender License #2256673.MYL
Texas	Third Party Debt Collector License #20240076
Wisconsin	Consumer Act Registration

Flexible Finance, Inc. (“Flex”) is a financial technology company, not a bank. All lines of credit, banking services, and payment transmissions are offered by Lead Bank. An application and credit assessment are required for approval. Credit line amounts vary based on eligibility (graphics are illustrative only); to access a credit line, you are required to make timely payments each month. Unsecured lines of credit are provided for a recurring monthly membership fee of $14.99 at 0% APR. A bill payment fee of 1% of your total rent is also charged when you pay your rent using the Flex app (additional card processing fee applies when using a credit card). Memberships automatically renew until canceled. Secured lines of credit are provided at 0–9% APR based on your credit worthiness. You are required to maintain a security deposit with Lead Bank. Other third party fees may apply. See your offer for more details. Positive rent payment history and information about your line of credit may be reported to one or more national credit bureaus. Terms and conditions apply. All loan proceeds are disbursed by Lead Bank; 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

*Individual results vary. Average outcome for customers who opened a Credit Builder account for use in September 2024 with a starting VantageScore 3.0 with a credit score below 560 and made consistent, on-time payments for at least one month. Factors other than on time payments, including interactions with other creditors, also play a role and may impact results. Payment history will be reported to TransUnion. Past performance does not guarantee future results, and a credit score increase is not guaranteed.

© 2024 Flexible Finance Inc.