Buy now pay later in 3 interest-free instalments on pretty much anything, anywhere, anytime.
If eligible, it’s interest-free over 3 instalments or there’s 6 and 12 instalments at 19% APR representative (variable).
Get startedTurn almost any purchase into instalments, like new headphones or your next haircut, and life’s small surprise expenses, like new tyres for your car.
It’s interest free over 3 instalments, but 0% isn’t the only way to pay. With 6 or 12 instalments at 19% APR representative (variable) you get some wiggle room for bigger buys that might come along.
Flex purchases in real-time, whether you’re shopping online or in person. Or turn back the clock and flex things from the last two weeks.
More money than you thought? Pay extra or early with no fees. Unforeseen expenses? Edit your instalments to suit your situation. Plus we don’t charge late fees.
Your Flex balance sits alongside your Monzo account so all your money is in one place.
Make purchases in person with the virtual Flex card on your phone. Or use the card details to shop online.
There’s no contactless limit on the virtual card. You can flex any amount, as long as you’ve got enough available credit.
Turn back the clock and flex an existing Monzo transaction from the last two weeks.
Monzo Flex is a fresh take on credit. Know upfront exactly what you’ll pay, with any interest broken down and no hidden costs. And you’ll always have a clear plan to pay back purchases.
Eligible purchases are also backed up by purchase protection, just like when you pay with a credit card.
Any questions? Find out more about how Flex works.
Representative example: Credit amount ÂŁ249. Pay in 12 instalments, 11 of ÂŁ23 and one final instalment of ÂŁ15.83 (total amount payable ÂŁ268.83). Rate of interest/Representative 19% APR (variable).