Flex vs ReceWise

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.

ReceWise turns your paper receipts into a clear picture of what you actually buy. Point your camera at a receipt from anywhere you shop and ReceWise reads it. Every line item, price, and store, organized for you. Or add and edit purchases by hand whenever you'd rather do it yourself. WHAT YOU CAN DO Scan any receipt instantly. Groceries, hardware, pharmacy, restaurants, online orders take a photo and ReceWise extracts each item and price automatically. Review the results before saving, so nothing lands in your history that you didn't approve. Enter and edit manually. Add a purchase without a receipt, fix an item ReceWise misread, or adjust a price your history stays accurate either way. See your real spending. Browse every purchase by item, store, or date. Search your history to find what you paid for something last time, and where you bought it. Know when to restock. ReceWise learns how often you buy the things you buy regularly, so you can see what's likely running low before you head out. Track prices over time. Watch what your regular items actually cost across different trips and stores. WHY PEOPLE USE IT Most budgeting apps show you a total from a store. ReceWise shows you the items. That's the difference between knowing you spent $140 and knowing which $140. Whether you're keeping an eye on household spending, tracking business expenses, or just tired of shoeboxes full of paper, ReceWise keeps the detail without the data entry. Your receipts stay private to your account. ReceWise requires an internet connection to scan and sync your purchases