Take control of your mortgage and your cash
Split any bill into two payments that match your pay schedule.
★ 4.8 App Store rating
Real people. Real relief.
Managing everyday bills
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How does splitting a bill with Flex work?
Flex lets you split your everyday bills into two payments so they're easier to manage around your paychecks. Your bill will be paid in full and on time, and you pay Flex back in two payments within 30 days.
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Does applying affect my credit score?
No—applying for Flex won't impact your credit score.
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Which bills can I split?
You can split many everyday bills, including:
• Utilities (electric, gas, water)
• Phone
• Internet
• TV
• Childcare
Don’t see your provider? Let us know. We’re adding new billers regularly and will notify you as soon as yours is available. -
Can I use Flex for more than one bill?
Currently, you can split one bill at a time. We’re actively expanding this and you’ll be notified in the app as soon as you can add more.
Trusted by over a million people
We take that trust seriously. Your data is protected with bank-level encryption and we follow strict financial regulations to keep your information safe. If you ever need support—we’re here for you.
Common questions
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. While Flex does not charge late fees, other third party fees (including at your property’s discretion) 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
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.
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Smaller payments
Split monthly bills into smaller payments and pay on a schedule that works best for you.
Bills paid on time
Stay on track without stress or making tough tradeoffs.
Keep more cash on hand
Free up cash for groceries, gas, and the things that matter most.
Your Privacy Choices
Relief
“I was relieved knowing a tool like this exists that can help me manage my finances and budget, but I was miffed that a tool like this didn’t come along earlier.”
Hanson X.
Less stress
“It took so much stress off my life knowing this was an option for payment.”
Duwayne P.
Breathing room
“The best thing about Flex is that I don’t have to worry about how I’m going to pay my car note or insurance. I can get all of that taken care of.”
Tiffany C.
2M+ people trust Flex
