Flex is a credit feature built into your Curve Pay Wallet. Whether you want to split big purchases, lower your borrowing costs, build your credit history or manage your money more easily, Flex has you covered. 19.99% APR representative (variable). Available in the UK only.
Stuck for cash? Flex gives you the freedom to go back and split your old purchases into instalments.
Dip into purchases you've made in the past year and choose to pay over 3 ,6, 12 or 24 months – freeing up cash whenever you need it.
Flex will refund the purchase onto the original card you used to pay and you can repay at your own pace with manageable monthly repayments.
Stop getting ripped off in fees abroad. Curve Pay turns your whole digital wallet into one global fee-free travel credit card. Spend and withdraw cash from any account, anywhere in the world, with just one card, or with contactless tap-to-pay.
*Benefits vary depending on plan. Exclusions and fee-free limits apply - see terms for details.
Curve Pay is the only digital wallet that gives you Section 75 protection on credit and debit card purchases. This means if you pay with Curve, you may be able to get your money back if something goes wrong with your purchase from £100 to £30,000.
Get Curve Pay to earn extra cashback on top of your debit and credit card rewards. Whether paying with your Flex credit card or another credit card in your digital wallet, you can get instant cashback every time you shop at popular brands like Primark, Argos, IKEA, Waterstones, and more. With a premium plan, you can boost your rewards with 1% cashback outside Europe and 1% cashback at up to 12 retailers of your choice. This is one credit card with serious earning potential. Limits Apply - as per Fair Use Policy.
Stop overpaying on interest and start moving smarter with Curve ReFi, the powerful balance transfer tool designed to help you clear debt faster. Curve ReFi is a revolutionary way to make balance transfers from any card to any card – instantly. Whether you're consolidating debt, managing cashflow, or lowering your borrowing costs – Curve ReFi gives you full control, whenever you need it.
Curve Flex is provided by Curve Credit Limited, authorised and regulated by the Financial Conduct Authority. Not all transactions may be eligible to Flex.
Representative example: 19.99% APR representative (variable). £1200 credit limit. 19.99% yearly interest (variable). If you borrow £1,200 over 12 months, you would make 11 monthly payments of £110.50 and a final payment of £110.26. Total amount repayable: £1,325.76, including interest of £125.76. You need a Curve Pay wallet to apply for a Flex credit card. UK residents & 18+ year olds only. Eligibility criteria and Ts&Cs apply. Missed payments can impact your credit score.
Curve Flex lets you split payments into instalments—either at checkout or after you’ve already paid. It’s a credit feature built into your Curve Pay Wallet.
You choose a repayment plan — 3, 6, 12 or 24 months. Curve Flex shows you the full cost, up front, with no hidden charges.
We run a soft credit check when you apply, which won’t affect your credit score. If you take out a Flex loan, we’ll run a hard credit check. As with any form of credit, making repayments on time can help build your score.
Yes. Eligible flexed purchases made with a credit card are covered by Section 75 of the Consumer Credit Act. You’ll have the right to challenge faulty or undelivered goods and request a refund.
Flex gives you more control. You can split purchases after you’ve paid, choose your repayment term, and manage everything from your Curve Pay Wallet. With a competitive APR and no new card required, it’s a smarter way to borrow.
We automatically collect your Curve Flex repayments each month from the card you selected when you set up the plan. You can view or change your repayment card any time in your Curve Wallet. You’ll also get a reminder before each repayment—so there are no surprises.
Yes! You’re in control. You can repay your Flex loan early at any time - with no fees or penalties. Paying early means you’ll pay less interest overall.
Want to change how you Flex? You can update your default repayment term in your Curve Pay Wallet. We’ll use your new plan for all future Flex purchases.
Transaction declined? No problem, use a backup card for your payment.
