Join 3.5 million customers using Flex. Split your rent into 2 payments—the first when it's due, the second on a date you choose during the month. When unexpected expenses hit, Flex gives you breathing room, whether you're paid weekly, biweekly, or have variable income. Your landlord or property gets paid upfront.
Help build your credit history with on-time payments. Still have money left over on the 1st.
HOW IT WORKS
1. Apply for Flex. If approved, set up your address and choose your payment schedule.
2. Your rent gets paid in full to your landlord or property.
3. You split rent payments in 2: half when rent is due, half before the end of the month.
BUILD CREDIT FOR PAYING RENT
Your on-time payments are reported to all major credit bureaus at no extra cost, so the rent you already pay can help to build credit history.
SEE, SPLIT AND PAY YOUR BILLS IN ONE APP
Flex is the app to split and pay your bills. Split your rent, car payment and everyday bills into smaller payments on dates that work for you.
TRANSPARENT PRICING, BUILT TO GET YOU AHEAD
What it costs: up to $5.99/month for the Flex membership, a 0.5% processing fee on the total bill amount, and a split fee of up to 3% of what you borrow (no reduction with early repayment). Debit card: no added charge. Credit card: 2.5% surcharge.
FAQs
- Can I pay rent, or my bills, in installments? Yes. One payment when your rent is due, a second later in the month, on a schedule you choose.
- Is Flex a loan? No. Flex provides a line of credit through its bank partners, not a loan.
- Does Flex report to credit bureaus? When turned on, on-time payments are reported to TransUnion, Experian, and Equifax, which helps build your credit history, included free with your Flex membership.
*The #1 rent splitting app based on app store reviews, 2026.
Disclosure
Flexible Finance, Inc., together with its subsidiaries ("Flex"), is a financial technology company, not a bank. All loans, lines of credit , banking services, loan disbursements, and payment transmissions are offered by Lead Bank or Column N.A., Members FDIC. An application and credit assessment are required for approval. Availability of Flex services is subject to landlord and biller eligibility. Flex Rent users may pay a recurring monthly membership fee of $5.99; membership automatically renews until canceled. Flex Rent and Flex Bills users must pay a processing fee of 0.5% of your total rent or bill amount when paying your rent or bills through Flex services (an additional 2.5% surcharge applies when using a credit card). A split fee of up to 3% for each line of credit, based on how much you borrow each month, is also charged and cannot be reduced with early repayment. Flex Pay in Full users who are not extended a line of credit, are also subject to the 0.5% processing fee of their total rent amount (an additional 2.5% surcharge fee applies when using a credit card). Flex Pay in Full users who are not extended a line of credit are not subject to a recurring monthly membership fee. 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. Your Flex payment history may impact your access to additional Flex services. All loan amounts vary based on eligibility. Any graphics are for illustrative purposes only. Terms and conditions apply. 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.
Current Updates vs. Three Years Ago: Night and Day
Moonlit_Shadow
I cannot underscore how thankful I was to discover Flex three years ago. It’s an incredibly useful and stress-relieving way to make your rent payments more manageable, and only having a roughly extra $20 to pay monthly in exchange is worth it. I stepped away from Flex for a while, partially because I fell behind on one of my payments and it went to collections, and unfortunately I did not have the means to pay it off until the last few months. Now that I’m using it again, it’s become far more useful starting with the first automated payment. In case the first payment gets declined, it gives you the option to manually make your payment through the app and debit your account then and there, with your rent payment coming shortly after. You can then pay your next payment in advance or even reschedule if needed. I had issues with the automated payments three years ago based on the timing of other charges, and I’m so glad to see they now let you make manual payments if the first one fails. I also work in leasing, and work/live at a property that utilizes Flex. It’s a lifesaver for so many people, myself included. That said, as with any service, read through the FAQ section of the service to make sure you understand the mechanics and decide if it’s the right move (or an eligible one based on where you live), but my recommendation is to definitely look into it.
They make rent no big deal
Mini Holiday
This makes the app/company makes large rent feel a lot less overwhelming. It also reduces the obstacle that some banks place on accounts that limit your spending. When your rent amount exceeds your daily spending it can be a real burden or stressed for some I’m sure. I was in that position before when you could pay by check or money order and that wasn’t fun. Now with most properties going to online payment only I can’t imagine being in that position to not split up your payments. I’m lucky enough to not financially be in that position, but I haven’t forgotten that worry or stress full feeling of how am I going to buy groceries and pay rent. I love using Flex just because I can. I’m able to spread my bills out and never have an excessive lump sum leave my bank. For a person that struggled for so long to pay bills for so long Flex makes the rent payment a lot less scary and traumatizing. Once you’ve been in that position you never loose that fear of loosing it all again. On another note their customer service is quick and very kind. I did have an issue in December with my payment portal on the property end. Though the deadline was missed due to my property leasing office being closed Flex tried and communicated their best to help with the situation. After pausing my account through December they reactivated it for January. They definitely make paying rent no big deal.
Thankful
Mookieloc
I’m Just So Thankful & Grateful for the help flex Really do give to help people in need without any hesitation it’s really is hard times out here I do not care if there even late fees they don’t ask any questions they will even bug you if your rent is not paid by the fifth of every month if they cannot automatically put it in, by the date your rent is due they will tell you copy and paste their routing number and account number to pay your rent mortgage as long as you pay your rent on the first & the 2nd half by the 15th of every month You can even extend it by the 15th the date for the 2nd payment arrangement, whatever day they give you to extend out a little farther as long as you pay it on time they will continue on helping you out without any hesitation you can’t get no better than this people shouldn’t want to mess over this type of help This is help for people They pay it right up front to the landlord to the apartments however, whoever take the payments for rent but they will make sure you are legit because they are helping you to keep a roof over you & your family head time are hard out here money is funny trying to come up with all of it at once rent not cheap bills not cheap kids not cheap food not cheap job pay you like you not working one bill after another just slapping you in your face im very thankful for my help I would like to SAY THANK YOU FLEX FOR HELPING ME AND MY FAMILY OUT IN OUR TIME OF NEEDS IN LIFE TIMES ARE HARD NOWADAYS WE ARE VERY THANKFUL FOR THE HELP WE GET FROM YOU GUYS WE USE YOU GUYS ALL THE TIME TILL THIS DAY
How flexible is flex?
Andie1223
So this app is something recently my apartment complex has rolled out for us to pay rent. I thought it’d be really convenient to split my rent into two payments but that’s not necessarily the fact one you can’t choose your amount that you want to pay so by utilizing this program I’m not able to split my run into two equal payments because more than half of my rent comes out of my first payment and then the remainder comes out of the second part. I think we should be able to choose the amount that we are going to split up as far as paying rent. Sometimes bills are higher than in the beginning of the month and they are in the middle of the month also, not everybody gets paid on the same day so be better to have a flexible day of the week where you can have the payments come out of your account living paycheck to paycheck is the reason why I use flex but yet is not that flexible and I still feel like I’m robbing Peter to Pay Paul in a sense. I may just stop using the service altogether and just go back to the standard way of how his paying my rent before. It is convenient because it saves me a trip to the post office but I don’t have the flexibility to split my rent payments and have like the app address you’re gonna be paying more than half upfront the first of the month and then in the middle of the month he’ll just pay the remainder balance. This works for some people not all people and I’m one of those people that it doesn’t work for.
Developer Response
Hi Andrea, we apologize for the inconvenience. We appreciate your feedback and would like to work with you more about ideas on how we can further improve our service and app. Could you contact us at help@getflex.com with the subject line "App improvement ATTN : “Flex Social Media.” We look forward to working with you! Thank you!.
Thanks for using Flex! We update our app regularly to make your rent payment experience even better. Every update to the Flex app includes performance improvements like speed, reliability, and bug fixes. As new features are released, we'll highlight them for you directly in the app.
Version 3.64.0
The developer, Flexible Finance, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
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The following data may be used to track you across apps and websites owned by other companies:
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Data Linked to You
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