Flex evaluates your eligibility using a variety of factors including your credit report information, your banking information, and other information about your payment history. Generally, customers who are fair or better credit, with sufficient deposits and average bank balances will qualify for Flex.

What is fair credit? 

While each individual's credit situation is unique; generally, customers with fair or better credit have:

• May have missed some payments on their accounts in the past, but are on time on their accounts now
• Low or moderate credit usage overall, but may have 1-2 accounts that have high usage
• 3 or more open accounts
• No recent defaults or bankruptcy filings
• •