Flex vs Aptexx

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.

[NEW!] The Aptexx App is here! Enjoy easy rent payments, use mobile messaging to chat with your leasing office, receive important community notifications, send maintenance requests, and more. Key Features: Pay rent through the app with a card, bank transfer (ACH), mobile check scanning, or even with cash at a participating retailer. You can also view your payment history or schedule a future payment. Initiate a maintenance request (with the option to include photos), see the status of an ongoing request, and view your request history easily. Reach out to your property manager to begin a text conversation. Get notifications of packages or deliveries for pickup at your complex. Stay up-to-date on any community notifications or important announcements. Aptexx App is designed for participating Aptexx clients. Products and features may vary depending on your community. Contact your property manager about which features are currently available for your property. If you have feedback on the app, we’d love to hear it! Please contact support@aptexx.com and we’ll get in touch. For more information about Aptexx or to get started with a demo, visit aptexx.com.