# Flex - Split Your Rent in 2 — The #1 rent splitting app*

> Rent payment service splitting monthly rent into smaller, manageable installments. (iPhone/iPad app by Flexible Finance, Inc..)

- Source: https://appshunter.io/ios/app/flex-split-your-rent-in-2/id1458274896 (this page in markdown: same URL + `.md`)
- Developer: [Flexible Finance, Inc.](https://appshunter.io/developer/1458274895)
- Category: Finance
- Price: Free
- Rating: 4.80/5 from 515,348 App Store ratings · 4,995 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 123 MB
- Languages: American English
- Released: 2019-05-21
- Data updated: 2026-10-15
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/flex-split-your-rent-in-2/id1458274896/reviews.md

## What is Flex?

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.

## Key features

- Split rent into smaller payments
- Pay rent on your own schedule
- Build credit history
- Access to a credit line for rent
- Pay rent on time

## Chart rankings

- #56 in Top Free · Finance (US App Store)

## What do users think of Flex?

Reviews of Flex are mostly negative: the Finance app is rated 4.8/5 from 515K App Store ratings. What users like most: easy to use, helpful for budgeting. Top complaints: unreliable payment processing, lack of transparency. Summarized from real user reviews.

**Pros**

- 🚀 Easy to use
- 💡 Helpful for budgeting
- 👍 Convenient rent payment
- 🚀 Flexible payment schedule
- 👍 Good customer service (in some cases)

**Cons**

- 🐛 Unreliable payment processing
- 🔍 Lack of transparency
- 💬 Poor communication from company
- 🔍 Difficult to reach customer support
- 🤯 Causes financial issues/overdrafts
- 🤬 Unresponsive to user issues

**Commonly reported bugs**

- Incorrect rent amounts charged
- Payments not processed on time
- Account deactivation issues
- Linking property portal problems

**Most requested features**

- Self-payment option
- Flexible rent amount split
- Improved communication channels
- Timely notifications about payment status

## Is Flex safe?

Flex - Split Your Rent in 2 appears safe based on user ratings. The AppsHunter Safety Score for Flex is 96 out of 100. This assessment is based on 515,348 user ratings, with an App Store average of 4.8 out of 5. Of 515,348 App Store ratings, 95.2% point to a safe experience, 1.2% suggest some concerns, and 3.5% point to a risky experience.

## Is Flex legit?

Flex - Split Your Rent in 2 appears to be a legitimate app. The AppsHunter Legitimacy Score for Flex is 93 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (10 of 4,995)

All indexed reviews: https://appshunter.io/ios/app/flex-split-your-rent-in-2/id1458274896/reviews.md

### 3/5 — It’s ok

*2026-10-02, version 3.62.0*

It really sucks that you can’t pay any amount of rent. There’s a lot of people that are on low income housing. That pay less than $300.

### 5/5 — Si pudieran ponerla en español sería perfecto

*2026-10-02, version 3.62.0*

Realmente los latinos seremos los que más la usemos por la delicada situación de el país y los alto costo de la vida que se pudiera entender en español sería perfecto

### 1/5 — Horrible

*2026-10-02, version 3.62.0*

This App Is So Slow Its Always A Bug Always Something Wrong Everytime I Try To Log On

### 5/5 — Great

*2026-10-02, version 3.62.0*

Great job on splitting payments

### 4/5 — Great app

*2026-10-02, version 3.62.0*

The app itself and the concept of it is amazing! Only downside is it glitches from time to time with logging in.

### 1/5 — Absolutely awful updates in late September 2026

*2026-10-02, version 3.62.0*

App has not been working right for a few days now. They always send emails saying the issue is resolved but it keeps glitching or just not working at all. I think it’s particularly awful that this happened exactly when rent is due - the one time most people will use the app.

### 5/5 — Really helpful

*2026-10-02, version 3.62.0*

Bad at budgeting so this app helps us stay on track!

### 5/5 — Great tool to paid rent

*2026-10-02, version 3.62.0*

I love that I can add money to my flex any time any amount to save for my rent

### 5/5 — So convenient!

*2026-10-02, version 3.62.0*

I love it ! I decided to budget every two weeks and my life gotten so much better and I could no build habits better.. instead of month by month ..

### 5/5 — Me encanta

*2026-10-02, version 3.62.0*

Le doy un 10 de  10

## Frequently asked questions about Flex

### What does the Flex app do?

This app allows renters to split their monthly rent into smaller, more manageable payments. It helps users pay rent on time, build their credit history, and offers a flexible repayment schedule by providing access to a credit line for rent.

### How does Flex help build credit?

Positive rent payment history and information about your loan may be reported to one or more national credit bureaus. This feature helps users establish and improve their credit history by demonstrating responsible rent payment behavior.

### What are the costs associated with using Flex?

There is a recurring monthly membership fee of up to $14.99 for the Flex Rent service. Additionally, a bill payment fee of 1% of your total rent amount is charged. An extra 2.5% processing fee applies when using a credit card.

### Is Flex available for all renters and landlords?

Availability is subject to renter and landlord eligibility, and terms and conditions apply. An application and credit assessment are required to use the service.

### How does the payment process work with Flex?

Flex provides access to a credit line for rent. Each month, you pay part of your rent upfront 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 suits your finances.

## Version history (last 5 releases)

### 3.64.0 — 2026-10-15

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.

### 3.63.0 — 2026-10-07

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.

### 3.62.0 — 2026-09-26

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.

### 3.61.0 — 2026-09-17

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.

### 3.60.0 — 2026-09-10

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.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-15.*