Applying to use Flex for your bills takes just a few minutes. This article explains where to apply, what you’ll need, and what to expect during the process.
Where to apply
You can apply for Flex in a few different ways, depending on your service provider:
- During checkout on your service provider’s website when paying your bill
- Through a link sent to you by your service provider
- Through a link sent to you directly by Flex
If you’re eligible, you’ll see the option to split your bill with Flex.
Note: If approved, you’ll use the Flex app to manage your payments and account settings.
What you’ll need before you start
To make the process smooth, have these ready:
- A U.S. phone number
- Your full name and email address
- Your physical address
- Your Social Security Number (SSN) and Date of Birth (DOB)
- A debit or credit card to use as your payment method
- Your bill amount and due date
What to expect during sign-up
Step 1: Create your account & verify your info
You’ll start by creating your Flex account using your phone number, name, and email. We’ll also ask you to confirm your home address to make sure it matches your service provider. If any of the pre-filled details don’t look right, you can update them before continuing.
Step 2: Confirm your bill
Your experience depends on whether your service provider is directly connected to Flex.
If your provider is directly connected:
- If a bill has already been posted, you’ll confirm the balance and due date.
- If a bill has not been posted yet, you’ll enter an estimated amount and due date so we can set up your payment schedule.
If your provider is not directly connected:
You’ll manually enter your bill amount and due date.
If the amount varies each month, you can enter your best estimate.
Step 3: Check your eligibility
Flex runs a few simple checks to see if you’re eligible, including a soft credit check. This does not affect your credit score.
Step 4: Set up payments
Next, you’ll:
- Choose a date for your 2nd payment (we recommend about 15 days after your bill’s due date)
- Add a payment method
If your service provider is directly connected to Flex, you will choose whether Flex should automatically split and pay your bill for you each month.
If your service provider is not directly connected to Flex, you will always kick off bill payment by submitting with your Flex-funded payment method- so there will be no autopay option.
Step 5: Finalize schedule
Review your payment schedule and details. If everything looks good, agree to the terms to complete sign-up.
Once you're done, you'll get a confirmation page and a prompt to download the Flex app. If your bill is paid via a Flex bank account, Flex will provide you with a dedicated bank account to use — you'll find the account details in the app after verifying your phone number.
When will my bill be paid through Flex?
If Flex is directly connected and submitting your bill for you:
- If bill autopay is ON: Flex will automatically charge your 1st payment on your bill due date and submit your full bill directly to your provider. No action needed from you.
- If bill autopay is OFF: Once your bill is posted by your provider, you'll need to make your 1st payment manually in the Flex app. Your full bill will be submitted to your provider once that payment is processed.
- Learn more about how Flex submits your bill
If you are submitting your bill using a Flex provided bank account:
- You're responsible for submitting payment directly through your provider's website using the Flex provided bank account details. Make sure to do this before your bill's due date.
- For extra peace of mind, we recommend setting up autopay with the Flex provided bank account details on your provider's website so your bill is submitted automatically each month.
- Learn more about how to use a Flex provided bank account to submit your bill