Flex - Rent On Your Schedule

Name: Flex - Rent On Your Schedule
Rating: 4.8 (285896 reviews)
Author: Flexible Finance, Inc.

Pay rent on your own schedule

Only for iPhone

Free

286K Ratings
Ages

4+
Years
Category

Finance
Developer

Flexible Finance, Inc.
Language

EN
English
Size

87.2
MB

iPhone

Pay rent your way. Flex Rent splits your monthly rent into smaller, more manageable payments that are easier on your budget. It helps you pay rent on time, build your credit history, and breathe a little easier every month. How it works Flex gives you access to a credit line that you can use for rent. Each month, you pay part of your rent up front and borrow the rest. Flex pays your full rent to your property when it’s due, and you pay Flex back later in the month—on a schedule that works for you and your finances. Disclosure Flexible Finance, Inc., together with its subsidiaries (“Flex”), is a financial technology company, not a bank. All loans, banking services, and payment transmissions are offered by Lead Bank. 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; 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.

Ratings & Reviews

4.8

out of 5

286K Ratings

Current Updates vs. Three Years Ago: Night and Day
08/14/2024

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.
Current Updates vs. Three Years Ago: Night and Day
08/14/2024

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
02/11/2022

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.
They make rent no big deal
02/11/2022

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.
Worked like a charm!!
05/27/2023

Matsterling
Since Flex is a membership, be sure to read the cancellation policy before signing up. The current minimum payment is roughly $15 per month, due on the 15th of each month. It's incredibly simple to get started using the Flex app. By connecting into the web portal for your apartments, you can confirm your rent using the Flex app. The entire verification process only takes a few minutes, but to begin, you will need to have a bank account because payments will automatically be deducted.After confirmation, you proceed with the installment plan and decide on the payment amount and due date. On the first day your payment is due, the money must be accessible in your account. You can decide the day to make your second payment, but you must also have the money on hand that day. I was first put off by some of the negative reviews, but the majority are the consequence of individuals forgetting to make their anticipated or prearranged payments. I'm not sure if they punish you for being late or for not having sufficient funds in your account so read up on that as well. I haven't had any problems with the app yet. I enjoy using it because it gives me flexibility that aligns with my pay schedule. I would definitely recommend this app to my family and friends. I’m not 100% sure but I think this app also helps build your credit .
Worked like a charm!!
05/27/2023

Matsterling

Since Flex is a membership, be sure to read the cancellation policy before signing up. The current minimum payment is roughly $15 per month, due on the 15th of each month. It's incredibly simple to get started using the Flex app. By connecting into the web portal for your apartments, you can confirm your rent using the Flex app. The entire verification process only takes a few minutes, but to begin, you will need to have a bank account because payments will automatically be deducted.After confirmation, you proceed with the installment plan and decide on the payment amount and due date. On the first day your payment is due, the money must be accessible in your account. You can decide the day to make your second payment, but you must also have the money on hand that day. I was first put off by some of the negative reviews, but the majority are the consequence of individuals forgetting to make their anticipated or prearranged payments. I'm not sure if they punish you for being late or for not having sufficient funds in your account so read up on that as well. I haven't had any problems with the app yet. I enjoy using it because it gives me flexibility that aligns with my pay schedule. I would definitely recommend this app to my family and friends. I’m not 100% sure but I think this app also helps build your credit .
How flexible is flex?
03/01/2024

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!.
How flexible is flex?
03/01/2024

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 03/03/2024
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 3.27.0

Oct 29

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Flex - Rent On Your Schedule

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Version 3.27.0

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Data Linked to You

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