The worst mistake I could have made was trying Flex. In order to borrow $350, they wanted to charge me over $200. I used it on the 3rd and asked how long I had to change or hold the payment and they said untill the 5th when the first payment would be made. Because me debit card just expired and they don't have the option to take it from my checking account, I had to transfer funds from my checking to my credit card because it would have ended up putting me over the limit. On the 5th I checked the app to make sure everything went through and saw they were charging an additional "late fee" of $150 above and beyond the $14.95+3.5% of $700. There is noone you can talk to, just AI generated chat. Also, I'm confident they will report my payment as "late" on my credit bureau when my credit is already established and I wouldn't have benefited from a positive report from them. This is a huge scam and it's just another way to extort people who are already living paycheck to paycheck. I mean seriously.... $200 fee to borrow $350 should be illegal and calculates out over 1400% APR to borrow for 2 weeks... Crazy!
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Flex 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.
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.See more
