Flexible Rent Line of Credit

Lender:

Lead Bank
1801 Main Street
Kansas City, MO 64108

Borrower

[Insert Name]

[Insert Address]

Interest Rate and Interest Charges
Annual Percentage Rate (APR) for Purchases	0%

Fees
Flex Services Monthly Membership Fee	[monthly fee], payable to Flex on the 15th of each month. Annualized, this fee is [monthly fee * 12]. YOUR MEMBERSHIP WILL AUTOMATICALLY RENEW UNTIL YOU CANCEL. You may cancel by contacting us at [email protected].
Foreign Transaction	3% of each transaction in U.S. dollars.
Penalty Fees	None.

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

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

California, Minnesota, and Oregon Privacy Requests

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
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.

*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.

© 2025 Flexible Finance Inc.