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Flex gives you the
‍flexibility you need today—without sacrificing tomorrow.

Rent is large, fixed, and due all at once—even though income rarely arrives that way. And it comes due alongside everything else that matters: utilities, transportation, childcare, and healthcare.

*Subject to renter and landlord eligibility. Terms and conditions apply.

Fair by design

No late fees or penalties
Flex doesn’t profit if you fall behind.
Clear, upfront pricing
No hidden fees or penalties.
No balance growth
The amount you owe doesn’t increase over time.
On-time rent reporting included
So paying rent can help build your credit history.

How Flex compares

When rent is tight, the alternatives are familiar. They’re also often more expensive than they seem.
Here’s what $1,500 in rent can look like across common options:
Option
How costs add up (on $1,500 rent)
Avg. monthly cost
What to know before choosing
Flex
$14.99 membership
+ 1% of rent
$30
Your rent is paid on time and in full. No late fees and your costs don’t grow.
Late rent fees
Typical late rent fee ~$85
$85
Penalties escalate quickly and can raise issues with your landlord.
Credit card
~3% surcharge + ~25% APR, assuming you pay back the full balance every 2 months
$55
Credit card debt can rapidly snowball. Flex offers a flat, predictable fee with no revolving debt or compounding interest.
Payday loans
300% + interest
$260
Designed to keep you borrowing.
Other split rent apps
$9.99 monthly + 1.5% of rent (~$22.50)
~$32+
Fees scale with rent and can increase over time. Payback schedule is rigid.
Flex
 Monthly cost: $30
How costs add up:
$14.99 membership + 1% of rent
What to know:
Your rent is paid on time and in full. No interest, no late fees, costs don’t grow.
Late rent fees
 Monthly cost: $85
How costs add up:
Typical late rent fee ~$85
What to know:
Penalties escalate quickly and can raise issues with your landlord.
Credit card
 Monthly cost: $55
How costs add up:
~3% surcharge + ~25% APR, assuming you pay back the full balance every 2 months
What to know:
 Credit card debt can rapidly snowball. Flex offers a flat, predictable fee with no revolving debt or compounding interest.
Payday loans
 Monthly cost: $260
How costs add up:
300% + interest
What to know:
Designed to keep you borrowing.
Other split pay apps
 Monthly cost: ~$32+
How costs add up:
$9.99 monthly + 1.5% of rent (~$22.50)
What to know:
Fees scale with rent and can increase over time. Payback schedule is rigid.
Other rent app data based on publicly available information as of February 2026. Examples are illustrative and based on publicly available averages; actual costs may vary.
A clear look at fees
If you use a credit card with Flex, a 2.5% processing fee applies. In some buildings, there may also be a $3 fee set by the property. If that’s the case, it will be clearly shown in the app before you continue.

Loved and trusted by millions

2M+

renters served to date

4.8

App Store rating (400k+ combined reviews)

90%

of Flex members feel more stable in their housing*

4.5

rating on Trustpilot

*Data based on a 458 customer responses through Flex’s 2025 Financial Well-being Survey

Turning principles into outcomes

Flex is built to help people manage timing challenges around rent. That same approach guides how we respond when unexpected hardship puts housing stability at risk.

423
emergency grants distributed to households at risk of eviction
75%
of at-risk renters reported feeling “securely housed” after receiving assistance
$475K
grants to renters facing emergencies like natural disasters or government shutdown
<48 hrs
average time to verify applicants and deliver assistance
Read the full impact report

Frequently asked questions

Do I have to use Flex every month?

No. Your monthly membership keeps the option to split your rent available every month. You choose when to use Flex based on what works best for you.

Why does Flex use flat pricing?

Because needing more time shouldn’t cost you more. When you split your rent with Flex, the total cost is clear upfront and stays the same throughout the month. You can make your second payment when it works for you without the price changing. A stable monthly fee also helps you plan for access to Flex for when you need it and lets you compare Flex to alternatives such as late fees and bank overdraft charges that are often charged in dollars, not percentages.

Does Flex help build credit?

Flex reports on-time rent payments to TransUnion at no additional cost, which can help build your credit history over time. You can decide to turn off this feature if you choose.

Can using Flex hurt my credit?

Flex only reports positive activity towards your credit profile. It’s designed to help you stay current on rent—not create new credit problems.

What happens if something goes wrong with my payment?

If something doesn’t go as planned, our support team works with you to help make it right. We’re here to help you stay on track, not to penalize you.

Can I pay with a credit card?

Yes. You can use a credit card to make payments with Flex. An additional 2.5% processing fee applies to cover card processing costs.

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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
‍
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.