Your Flex credit line helps you split your rent into two payments. This article explains how your credit line affects your payment schedule, how much you can use each month, and how to adjust your settings in the Flex app.
Quick Summary
- Your credit line determines how much you can split into a 2nd payment
- You can choose how much of your credit line to use (up to your limit)
- Your 2nd payment can never be more than 50% of your rent
- Flex will always submit your full rent as long as your 1st payment is successful
Helpful Definitions
- Credit Line: The total amount of credit you've been approved for by Flex
- Credit Limit: The maximum amount of your credit line that can be used in one month
- Credit Utilization: The portion of your credit line you choose to use for a given rent cycle
How It Affects the Payments You Make to Flex
Flex pays your full rent upfront, and you pay Flex back in two parts.
The amount of your credit line determines the maximum amount you can use for your 2nd payment—but there’s one important rule:
💡 Your 2nd payment can never be more than 50% of your total rent.
Even if your credit line is higher than that, we’ll cap your 2nd payment at half your rent. The rest will be included in your 1st payment.
Examples: How Your Credit Line Impacts Your Payment Split
| Rent Amount | Credit Line | 1st Payment | 2nd Payment |
| $1000 | $400 | $600 | $400 |
| $2000 | $600 | $1,400 | $600 |
| $1000 | $600 | $500 | $500 |
In each example, Flex pays the full rent, and your 2nd payment never goes over half of your total rent.
Adjusting How Much of Your Credit Line You Use
You can choose how much of your credit line you'd like to use—up to 50% of your rent—directly in the Flex app.
To update your 2nd payment amount:
- Open the Flex app
- Go to Settings > Rent > Rent and Payments
- Tap Change 2nd Payment
- Use the slider to choose how much of your rent you want to split into your 2nd payment
The amount you choose will stay the same for future months unless you change it again.
App flow of how to update your credit utilization, or 2nd payment amount.
How It Affects the Rent Flex Pays to Your Property
Your credit line does not affect how much rent Flex submits on your behalf. As long as your 1st payment is successful, Flex will always pay your full rent to your property—regardless of your credit line amount.
Common Questions
What if my credit line is higher than half my rent?
You’ll still only be able to use up to 50% of your rent for your 2nd payment. The rest will shift to your 1st payment.
What if my credit line is lower than half my rent?
We’ll split your payments based on your available credit. Flex will still pay your full rent upfront.
Can I use less of my credit line if I want to?
Yes! You can adjust this in the app each month before the rent process kicks off.
Will my payment schedule change if my rent amount increases?
Yes—if your rent goes up and your credit line stays the same, your 1st payment will cover more.
When can I adjust my 2nd payment amount?
You can update your credit line or 2nd payment amount in the app anytime. Just make sure to make any changes before the new month’s bill cycle begins—otherwise, your updates won’t apply until the following month.