Flex - Rent On Your Schedule

Name: Flex - Rent On Your Schedule
Rating: 4.64473 (24202 reviews)

Finance

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Flex - Rent On Your Schedule

Finance

4.6

24.2K ratings

Age Rating

Seller

Flexible Finance, Inc.

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User Reviews for Flex - Rent On Your Schedule

terrible customer service

I was a Flex user since September of 2020 and absolutely loved it. Rent was coming out on time and the correct amount (I split rent with a roommate who doesn’t use Flex). Since December, things with rent have been odd since they have calculated rent way too high and I had to continue to email them to change it, and rent was paid at the last minute. In January, they paid my entire rent, roommates included, and I emailed them and told them it was incorrect. They only charged me for my rent and not my roommates. I emailed saying this was wrong and no response. Then, at the end of the month, they charged us the money we owed because of a system error and all of the money came out that week, and they then asked me to pay on the 1st of the month still even though rent was just taken out a week before. I figured I’d be able to handle it, because I normally pay relatively decent payments through flex. My February rent would not show up, and I emailed multiple people, with no response or “it will be fixed.” It was never fixed, leaving me with either paying my rent in full or getting hit with $160 late fees. Taylor from Flex told me multiple times it would be fixed, but when 10pm came around on the last day, it still hadn’t been, and I had to pay all of my rent in full this month, leaving me with basically no paycheck for two weeks. Customer service will ghost you and leave you stranded. I do not recommend.

alesznar1, Feb 05, 2021

Love having a more balanced budget between paydays!

Who ever invented this should get a Nobel Prize! This service helps in so many ways. First, it gives the renter the ability to create a more balanced bill pay scenario between paydays. The stress of having a really tight budget the first half of the month is completely alleviated by being able to split your rent into two parts. Secondly, it makes the ability to use the debit card to pay rent, more affordable. Instead of having to pay a service charge as a percentage of rent, you pay a small, flat monthly fee to use the service. The monthly fee is less than half the percentage based fee. That's a win in my book. Thirdly, it eliminates the time constraints with complex office hours to get a paper check to office personnel in a timely manner. I don't know about you folks, but I work 60 hours a week and when I'm off work, the apartment office is closed. Being able to affordably pay this online eliminates that stress for sure. If there is an issue with their system, (it's only happened once) they will alert you and give you the ability to make your rent payment *through* their system manually, so it looks like they've also built in some fail-safes as well, which is reassuring. Overall, I really, really like this service and I genuinely am grateful for the benefits they provide.

Barbie050, Nov 16, 2022

Best App ever! Not so much anymore!

Update: I used Flex Faitfullu for 4 years! No problems. I actually always hD great customer service until June 2. 22. My apartment changed portals and it happened after the first. I was told to email on 6/15 and they would definitely be able to get the new portal set-up for me. I’ve never had payment problems or anything. Well I got an email now saying because of my credit etc they can’t reactivate me. I had FOUR YEARS WITH NO PAYMENT ISSUES. Doesn’t that stand for anything and it’s not even my fault that the company changed the portal. Flex made my life manageable and now I don’t even know if I’m going to be able to make my rent going forward. This service literally saved my life and I really need it, I have a great record with Flex but apparently that doesn’t count for anything. So completely disappointed in The fact Kai said yes we’ll definitely be able to get you set up for July and now NOTHING!!!!! Seriously this is not good business. I didn’t really believe this could work or that I would qualify, but it does and I did and has literally saved my life. I was a huge pain in the bum and emailed a bunch of times to make sure it would work... the team is great and have responded quickly and even when there seemed to be a glitch in the system initially, Matt the CS Manager called me first thing the next morning and made sure I was all set and that my rent was paid. Finally someone helping real people live real life.

Bari S., Jun 23, 2022

I have given them so many chances!

Here I come again - with another month of my rent being paid late by flex who claims my rent is not posted to my rent portal to which I sent a screenshot proving it is and still haven’t received a response. After last months fiasco of having my rent paid 4 days late for the *second* time, Kari the manager ensured me we were all squared away for this months payment. I even reached out a couple days ago to double check and confirm I was squared away and there would be no issues. The first comes around and my rent was not paid on time, as I had feared. I am FRUSTRATED!!! I’ve went out of my way to make sure they have every bit of information they could possibly need to ensure my payments are made when necessary but they fail me every month. As a single mom who struggles to pay the large amount of rent every month, flex is my only option to keep a roof over my child’s head yet every month when rent rolls around I am fearing I will be evicted because flex NEVER pays on time. The app states they will reach out if an issue arises while paying the rent yet every time it’s a day late I’ve had to reach out to see why it’s not been paid. Never ever have they went out of their way to notify they have ran into an issue so that I can get it fixed. Ontop of everything this is a service I am PAYING for and have never once had them pay my rent on time as they are supposed to.

caleigh75, Jun 02, 2022

No customer support

There’s no actual people you can talk to. The computerized support is iffy. I sent 3 emails 3 separate days to reactivate my account and only received 1 confirmation maybe 10 mins later for the 2nd email I sent then an hour later for the third. They then send an email saying the my can’t tell you if your account can be reactivated until a couple weeks after. I was denied and I have no idea why other than I paid my rent in full for the last 3 months and have not used the flex app. Now that I need it, it’s not an option. False sense of help. Update: I was told to reach out to flex again via developer comment below my original review and now I’m just convinced they tell you to reach out to save face on reviews. They just tell me the same thing again. They said I had insufficient funds august when I paid my full rent, ok but can I reactivate it? No. Why? Because they said so. They tell me to reach out when I get the same answer AND the same customer service rep, KARY. I don’t know who they are paying to leave comments but this app only looks out for themselves. If you don’t use them, they can’t charge their fee in the middle of the month so I guess that’s why they aren’t very helpful. Also I found out they do “soft credit checks” and if you’re 550 or below you don’t qualify. Mine is above 600 and it dropped 28 points since having the app. Penalized the poor is the vibe I get from the app. Use at your own risk.

gspates, Sep 28, 2022

They make rent no big deal

This makes the app/company makes large rent feel a lot less overwhelming. It also reduces the obstacle that some banks place on accounts that limit your spending. When your rent amount exceeds your daily spending it can be a real burden or stressed for some I’m sure. I was in that position before when you could pay by check or money order and that wasn’t fun. Now with most properties going to online payment only I can’t imagine being in that position to not split up your payments. I’m lucky enough to not financially be in that position, but I haven’t forgotten that worry or stress full feeling of how am I going to buy groceries and pay rent. I love using Flex just because I can. I’m able to spread my bills out and never have an excessive lump sum leave my bank. For a person that struggled for so long to pay bills for so long Flex makes the rent payment a lot less scary and traumatizing. Once you’ve been in that position you never loose that fear of loosing it all again. On another note their customer service is quick and very kind. I did have an issue in December with my payment portal on the property end. Though the deadline was missed due to my property leasing office being closed Flex tried and communicated their best to help with the situation. After pausing my account through December they reactivated it for January. They definitely make paying rent no big deal.

Mini Holiday, Feb 11, 2022

Pros and cons

I have used this app once and this month has been a complete failure. They give you a 5 day grace period for the first payments but don’t inform you that you need to have the funds in by 1pm. Mind you I looked online at there website and figure out the last day to have the funds in and all it says is by the 5th with no time frame given for that day to have the funds on the account. I have emailed them and they sent me a screenshot of all the transactions made on the 5th and the last transaction was made at 6:40pm which is very weird and confusing because they have told me to have the funds in by 1pm, so I don’t understand how they were still trying to get the funds out of my account after 1pm if that’s the deadline. They really need to put a self payment option on the app so that way we don’t have to worry about this type of issues and we can just do it ourselves making it faster and convenient. I am just really upset because now I have a 3 day notice because you this app not being fully informative about the first payment. If your giving us till the 5th why wouldn’t it be until 12am on the 6th would be the deadline. I’m really disappointed because this app really helps me manage my money and be able to pay my rent without a hassle. I hope you guys make some changes real soon about this

Moani Finch, Apr 07, 2022

Great Concept, But Needs Improvement

Before I start complaining I want to say that, Flex did pay my half of the rent in full on the 1st of the month, which was good. However, it takes them way too long to process your payment and take the money out of your bank account(It’s been processing for 2 days now). I was worried that my account would overdraft, as I have other bills being withdrawn from my account, so I had to reschedule those payments(inconvenience). The “customer service” team has no idea what they’re talking about half the time and send generic answers that you could have pulled up on the website. Customer service does nothing but cause more confusion. I’m actually going to deactivate my account after my 2nd payment is withdrawn because it’s a little bit stressful. Suggestion: We shouldn’t have to submit a request just to make our second payment EARLY. That makes no sense. Like Klarna/Afterpay/QuadPay, there should be an option to payoff your balance by simply inputting your card or bank account information. If this app is supposedly supposed to make things “flexible” why do you guys make it so hard to make an early payment or reschedule? We should be able to go to the app and do both without having to contact your terrible customer service team.This would be the perfect app if those options became available to users. It would also be better if you guys had a better customer service team.

Neicy.Collins21, Aug 02, 2021

I’m disappointed and had high hopes

Great idea to help people like me but Flex cost me $129 in late fees! I just moved to try to go back to school and thought Flex would be a good thing to try until my job transfer was finished and my checks started coming in regularly. I was completely wrong! First the card that I use daily and continue to use was “expired” according to them. So I updated the card information like they suggested but still they kept emailing (they don’t have a actual phone number) saying the bank won’t let them charge the card so I called the bank. The bank was extremely confused and said they are not blocking anything and to double check my card info. I checked the card information updated, made sure I had the latest version of Flex and my phone was updated but still they were having errors. The whole way they always made it seem like I did something wrong and it could never be them or their system. So now after having a $129 late fee I have to wait till the leasing office opens talk to them about this whole situation hopefully get the fee removed and pay rent 7 days late because I won’t have the full rent payment until then. I would suggest having a actual number people can call because having to wait until the next day to get a email back about something as important as paying for rent doesn’t seem smart to me or very considerate or how customers situations and how they may feel

ROBBED123456789, Sep 05, 2022

They don’t like when you don’t need them

I used it for a month and between them saying they don’t charge late fees but you should make sure you have the money in your account if you don’t otherwise they spam your account with the charge until the money is in your account they will charge your account about 6 times everyday until the money is in your account they make it seem like there here to help but there not because doing that racks up overdraft fees on your account based on your bank of course they also charge you 20 dollars for the service that also makes no sense because if your in the business of helping why charge $20 and for the people who need this type of help $20 is a lot im saying this coming from a place of needing help at first then my situation changing and me not needing this at all because breaking up your rent payments into 2 payments then having car notes light bill phone bill car insurance and a gas bill this makes no sense just pay the rent all at once but also when you cancel this if you don’t pay it in the same month you canceled it way you get paid 2 days later but it’s the 1st of another month but you canceled it they charge the same $20 dollars like you used it for the whole month that they didn’t even pay the rent for I wouldn’t recommend this it’s just a long term problem for a short term fix and I know it sounds good because of the holidays coming up but this is not it happy holidays

wreckitredd, Dec 11, 2021

Description

Rent pay your way. Flex splits your rent in two, reducing “first of the month'' worry while allowing you to pay rent on time, improve cash flow, and build your credit history. With Flex, you have the power over the way you pay bills.

Each month, you pay half of your total rent and finance the other half with a Flex Line of Credit, with the flexibility to choose your second payment date to better align with your paycheck. Flex charges a monthly fee of $14.99, and an additional payment processing fee of 0.75% of their rent payment amount. **Flex Services are offered for a monthly membership fee of $14.99, which includes access to a Flex Line of Credit account from Blue Ridge Bank, N.A. Member FDIC at 0% APR. A payment processing fee of 0.75% of the monthly rent payment is also charged. Membership will automatically renew until canceled. Members must make their initial payment and repay their Line of Credit in full each month to use Flex for the following month. Flex reports your payment history to TransUnion, and late or missed payments may be reflected on your credit report. Not all applicants are approved. Terms & conditions apply.