What to do if you're not approved

At Flex, we assess your eligibility based on a few key factors—like your credit report, banking history, and payment behavior. Most approved customers have a fair or better credit profile and consistent financial activity.

If your application isn’t approved, it could be due to one of the following reasons:

• Your credit or banking information didn’t meet our eligibility criteria
• The details you submitted didn’t match what’s on file with TransUnion
• You’ve submitted too many applications in a short period

You’ll always get a notice

If your application is denied, Flex will email you a Notice of Adverse Action (NOAA). This letter explains the reason for the decision and provides details about your credit profile. We recommend reviewing that email—it contains the most specific information about why your application wasn’t approved.

Can I apply again?

Yes, you can apply again—but there’s a limit of two applications within any 60-day period.

• If this is your first or second application within that 60-day window, you can reapply right away.
• If you’ve already submitted two applications in the past 60 days, you’ll need to wait 60 days from the date of your first application before the Flex app will allow you to apply again.

This limit is in place to prevent repeated applications in a short timeframe, which can affect how your application is reviewed.

We know it can be disappointing not to get approved, but we encourage you to try again when you're eligible. Your chances may improve over time as your credit and financial history changes.