Top 5 Buy Now Pay Later (BNPL) Companies in the US

3. Flex

Highest APR Charged: 0%

Flex is an American BNPL firm that is headquartered in New York. It is primarily a rent payment company that offers users the option to split their monthly rent payments into two with the second half being financed by the company. The firm does not charge any interest rate on the payments; however, each half of the payment comes with a 0.75% processing fee. Additionally, Flex also charges $14.99 per month as a platform subscription fee.