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Monzo Flex
A better way to pay later

Pay later pretty much anywhere you use Monzo, on pretty much whatever you want. One up-front application and a pre-agreed credit limit, all in your Monzo app.

If eligible, pay in 3 instalments at 0% interest, or over 6 and 12 instalments at 19% APR (variable).

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Paying later just got better

Flex the things you want and need, like new headphones or on-point trainers, and life’s small surprise expenses, like new tyres for your car.

Pay in 3 for free – and more

It’s interest free over 3 instalments, but 0% isn’t the only way to pay. With 6 or 12 instalments at 19% APR (variable) you get some wiggle room for bigger buys that might come along.

Change it up – or down

Flex gives you the freedom to edit your instalment plans at any time. Got paid a little extra? You can pay off plans with no fees. Need more time? You can pay back over a longer period in a tap.

Breeze through the checkout

With Flex you apply once, up front. If you’re approved, there are no applications or credit checks to slow you down at checkout.

Flex now or later

Mobile phone showing a contactless payment Mobile phone showing Apple Pay

Flex at checkout

Use your virtual Flex card to pay with Apple Pay or Google Pay pretty much anywhere contactless is accepted. Or shop online with the card details.

Monzo app showing a transaction

Flex later

Turn back the clock and flex an existing Monzo transaction from the last two weeks.

Getting started is easy

  1. Apply in minutes in the app. We’ll give you an instant decision.
  2. If approved, you’ll get your own credit limit.
  3. Use it to flex a transaction over £30. We’ll take the first instalment straight away, and then monthly after that until you’ve paid it all off.

More control, less stress

You can set an approved credit limit you’re comfortable with so you know you’re good to go before you get to the checkout.

Your Flex balance sits alongside your Monzo account so all your spending is in one place.

Plus, it’s packed with the best of Monzo, like no late payment fees and interest rates shown in pounds and pence.

Mobile phone displaying the Monzo app

Want to know more? Check out our Flex help articles.