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bill splitting app*
users
in bills paid
from 680k+ users
Your lender gets paid. You get more time.
Step 1
Connect your mortgage and choose your payment schedule.
Step 2
Your mortgage gets paid in full to your lender.
Step 3
You pay in 2: half when payment is due, half within 30 days.
Your month, flexed.
How your bills split
Fee Info.
- Processing fee: 0.5% of your total bill amount. Covers sending your full payment to your provider.
- Split fee: Up to 3%, only on the amount you borrow. Covers the cost of borrowing from Flex. Cannot be reduced with early repayment
Same mortgage, better month.
Nothing changes but timing.
Same lender, same rate, same term. Flex isn't a loan against your house and it isn't refinancing — it's your same monthly payment, split in 2. Nothing changes for your mortgage provider.
What you see is what you pay.
Flex doesn’t charge late fees or balances that quietly grow in the background. Just straightforward pricing you can plan around.
More room for the rest of the month.
Your mortgage doesn't need to drain your bank account in one hit. Split it, and keep cash on hand to make the rest of the month work.
3.5M+ members. Same feeling.
“
This company has helped with not only my rent but also my personal bills like utilities and internet too!! Definitely recommend!
David S.
“
It helped me budget my bills and my paychecks by allowing me to split payments while paying bills on time. Win-win situation!!!
Andre W.
“
Flex is easy to use. Set it and forget it. Makes budgeting easy. Gives you flexibility to pay bills on time.
Kayla B.
“
This app is literally saving me from stressing out about not having my payments in full. Rent, car insurance, electric so far and I’ll be adding more. Just to help me with cushion as I get more on my feet!
Ashley R.
“
Thank God for Flex! I’m able to pay my bills on time!!!
Dani R.
Frequently asked questions
Can I split my mortgage payment with Flex?
Yes, if you qualify. Applying only takes a few minutes and doesn’t affect your credit score. No refinancing. No changes to your loan.
How much of my mortgage can I split?
You decide, up to your approved amount. You’ll see what you’re eligible to split in the app before you commit. Regular on-time payments may increase that amount over time.
When is my 2nd payment due?
Whatever date you pick, within 30 days. Move it if your plans change.
How is this different from the biweekly program my lender offers?
A biweekly plan splits your payment into 26 half-payments a year. It pays your loan down faster, but you pay more each month. With Flex, you still make one mortgage payment a month. You just make it in two parts, on dates that work for you.
Will my lender know I’m using Flex?
Your full monthly payment reaches your lender on its due date. What they see is a mortgage payment made on time and in full.
Does this affect my escrow, taxes or insurance?
No. Your full monthly payment goes to your lender exactly as they expect it, escrow included. Nothing about your loan or your escrow account changes.
What does it cost?
There’s a 0.5% processing fee on your bill, and a split fee of up to 3% on your 2nd payment — charged only if you split. The split fee is based on how much you borrow and cannot be reduced with early repayment. There are no late fees and no penalties from Flex.
Do I have to split every month?
No. Pay all at once whenever you want, and skip the split fee. No reapplying to split again later.
Does splitting my mortgage build credit?
Your lender already reports your mortgage to the bureaus. Paying on time through Flex keeps that record intact. Credit reporting through Flex applies to rent, not mortgage.
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