How can we help?

Because credit should bend — not break you. Picture two wallets, facing each other. Or two coins, having a quiet conversation across the front desk. It’s about give and take — a fair way to borrow, repay, and move on. Flex means freedom. Flex means choice. Flex means you’re in control, and you only pay for what you owe. That’s it. No tricks, no stress. Just credit that fits you.

Most credit cards make you jump through hoops — you pay some off, but still get charged interest on the whole amount. Not with Flex. With Flex, you only pay interest on what's left. Let's say you've spent £1,000 and you repay £300. You'll only pay interest on the remaining £700. That's it. You also get to choose how much to repay — 10%, 25%, 50%, 75%, or even a custom amount — and we'll show you exactly how much interest you'll pay and how much you'll save with each option. You stay in control, every step of the way.

Not just yet — but we’re working on it! We’re getting ready for Phase 1 of our launch, and we’re doing things properly. That means going through the official FCA application process, so we can launch with the right protections in place. Wish us luck — and thanks for being part of the journey. If you join the waitlist now, you’ll be one of the first to know when Flex goes live. No obligations, no pressure.

Nope. Joining the waitlist is totally safe — there's no credit check and no impact on your credit score. We'll only run a check if (and when) you apply later — and even then, we'll make everything crystal clear before you go ahead.

We built Flex because we’ve made partial repayments, thinking we were doing the right thing — only to be hit with unexpected interest.
So, we listened. We spoke to people like us and built Flex for all of us — because real life isn’t one-size-fits-all, and credit shouldn’t be either.

With traditional credit cards, if you spend £1,000 on 8 March and your statement closes on 10 March, then repay £500 on 20 March, you'd expect to only pay interest on the £500 balance.

But here’s the catch: you’re still charged interest on the full £1,000 — not just the unpaid £500. And not just from your statement date, but from the day of the purchase. That interest compounds daily until the full balance is cleared. So, even when you’re trying to do the right thing, you can end up paying more than expected.

Flex works differently — because we think differently.
You choose how much to repay: 10%, 25%, 50%, 75%, or a custom amount.
We only charge interest on what’s left — not your full statement.
You’ll see exactly how much interest you’re being charged — and how much you’re saving — before you commit.

Late fees are capped at £5, not £12 or more.
And yes, we’re app-only — built for your phone and your lifestyle.

We built Flex to make credit work for real people — not just the system.
No tricks. No compounding traps.
Just credit that makes sense.

Flex is a digital-only credit card, with security baked into everything we do. Your data is protected with bank-grade encryption, and 3D Secure (3DS) adds an extra layer of protection for your online payments. You’ll get real-time transaction alerts, so you’re always in the know. Lose your card? Freeze it instantly in the app. Something doesn’t look right? Our UK-based team is here to help. You’re always in control — and we’ve got your back.

The pre-eligibility check won’t impact your credit score.

A hard credit search is only performed if you pass the pre-eligibility check and choose to proceed with a full application.

This limit is set based on your credit score and personal circumstances at the time of applying for the card.

There is no minimum credit scores required to be eligible.

We assess your application using credit data, income, affordability, and (if you opt in) Open Banking

Remember that having a line of credit can be a positive factor for your Credit Score, demonstrating that you have been approved for credit by a lender. A Credit Score is heavily dependent on how you then manage your credit.

In the United Kingdom, there are three main credit reference agencies that provide detailed information on credit reporting: for more information, visit Experian, Equifax or TransUnion.

Yes. We protect your data with encryption, multi-factor authentication and continuous security monitoring.

We also limit who can access your data and review our controls regularly.

We fully comply with UK GDPR, PCI-DSS, and Consumer Duty regulations.

You retain complete control over your personal information directly within the app.

For more details, see our Privacy Policy

We are app only so we can focus on fair pricing, transparency, and a better credit experience. By avoiding traditional call centres, we keep costs down and pass those savings on to our customers. This helps us offer Pay For What You Owe and a consistent interest rate for everyone.

Support is built into the app, with clear guides and quick access to help whenever you need it. Once approved, you manage everything in one place, from tracking spending to freezing your card or contacting support. No waiting on hold, just simple, reliable support.