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).Get early access
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.
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.
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.
With Flex you apply once, up front. If you’re approved, there are no applications or credit checks to slow you down at checkout.
Need some buffer in your budget? You can turn back the clock and choose to flex an existing Monzo transaction from the last two weeks.
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.
Want to know more? Check out our Flex help articles.