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Reduce delinquency & delight borrowers with Flex
Empower your customers to split monthly auto payments into two installments—while your business gets paid upfront and on time, every time.
Flex pays $12B in customer bills annually
4.8
rating across 200,000+ reviews on iOS and Android App Stores
Guaranteed on-time payments
Flex pays lenders in full at the start of each month, eliminating uncertainty. Benefits include:
- Lower delinquencies: prevent costly repossessions and reduce financial risk.
- Boost operational efficiency: save staff time and effort with automated, reliable payment collection.
- Enhance dealer relationships: strengthen dealer satisfaction by offering consumers more flexible payment options.
- Zero cost to your business: absolutely no fees or operational costs for lenders.
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Put bill collection on autopilot
Empower greater cash flow management
Flex pays monthly auto payment on behalf of customer
Users pay their bill to Flex in two payments
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Flex pays monthly auto payment on behalf of customer
Users pay their bill to Flex in two payments
What your customers get
- Flexible budgeting: split payments align with payday schedules for easier budgeting.
- Financial control: no long-term contracts, late fees, or penalties.
- Peace of mind: predictable, manageable payments each month.
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Why now?
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Car payments are at record highs
Subprime auto loan payments are 30% higher than pre-pandemic level.¹
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Americans are struggling to keep up
Auto loan delinquencies are nearing Great Recession peaks, driving up repossessions by 10% year-over-year.²
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The cycle worsens consumer costs
Rising delinquencies and repossessions increase lender losses, leading to higher interest rates and tougher credit conditions, further trapping subprime borrowers in high-cost debt cycles.
Flex can help keep your customers stay on the road while improving your bottom line
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