• FlexShopper

FlexShopper

Overview

FlexShopper has a rating of 2.26 stars from 750 reviews, indicating that most customers are generally dissatisfied with their purchases. Reviewers complaining about FlexShopper most frequently mention bank account, credit card, and next day problems. FlexShopper ranks 681st among Marketplace sites.

  • Service
    168
  • Value
    159
  • Shipping
    137
  • Returns
    101
  • Quality
    141

This company does not typically respond to reviews

Positive reviews (last 12 months): 3.7%
Positive
1
Neutral
1
Negative
25
63
See all photos

What reviewers want you to know

Positive highlights

  • I absolutely love their customer service representatives.

Critical highlights

  • Flex shopper is a company that steals your money after you pay it off.
  • So they begin to deduct from your bank account, every week, which is insane, but I needed the tires.
How would you rate FlexShopper?
Top Positive Review

“Dishonest”

Daniel M.
11/21/23

They say they do not do a credit check but they do a credit check and they denied me. They say everyone gets qualified and my credit isn't that bad so this place is a joke

Top Critical Review

“Payments”

Jim N.
1/4/24

Customer service rude. My credit is bad and my child needed a computer for college. I'm paying $71.00 a week for 52 weeks. $3600 for a $1600 computer. Have made 33 payments on time and called to ask if I could skip a payment over the holidays and put it on the end of lease. They said no and hung up. Sorry I ever got involved with them. Try Katapult if anyone is looking at bad credit alternatives. Will never recommend this company.

Reviews (750)

Rating

Timeframe

Other

Reviews that mention popular keywords

customer service (304) flex shopper (84) bank account (33)
Thumbnail of user jimn741
1 review
3 helpful votes
January 4th, 2024

Customer service rude. My credit is bad and my child needed a computer for college. I'm paying $71.00 a week for 52 weeks. $3600 for a $1600 computer. Have made 33 payments on time and called to ask if I could skip a payment over the holidays and put it on the end of lease. They said no and hung up. Sorry I ever got involved with them. Try Katapult if anyone is looking at bad credit alternatives. Will never recommend this company.

Thumbnail of user margief49
1 review
4 helpful votes
February 10th, 2024

This company advertise 90 days same as cash. They take out less than the amount to pay off the item. After the 90 days they charge a 65 % interest rate on the original amount of the loan. They never contact you to tell you that you will be charged it that your short on the final pay off. For a $1400 purchase I have to pay an additional $2600. This is unacceptable lending practice and they should be placed in jail. They advertise in places like pawnshops and predatory lending is how they are in business.

Tip for consumers:
Hopefully a class action lawsuit will prevent this company from doing this to other people. Maybe the government will shut them down. But I will do everyone my power to stop this company.

Products used:
90 days same as cash

Service
Value
Thumbnail of user kianan3
1 review
1 helpful vote
November 1st, 2019

I called to get confirmation of a order request because I did not see it on my account. Rep explained the process clearly. I was happy with her service.

Thumbnail of user kennethd206
1 review
2 helpful votes
January 18th, 2020

I had an issue with my spending limit, Cynthia explained the issue helped me resolve it and got my limit reinstated.

Thumbnail of user stephent1133
2 reviews
0 helpful votes
January 11th, 2024

Flexshopper is a scam, they have felxwallet options then they tell you that you can order in their store only, how convenient and they are very untrusting lying all the time about this, if you have it available you're supposed to allow it. Then do away with that option all together if your not going to do what you say you will. Do away with the Flex Wallet option so people don't assume it's still a option then find out later it's not an option anymore, I think this is a law suit waiting to happen.

Products used:
None cause they stopped using the flex wallet option but still have it available

Thumbnail of user armanda252
1 review
0 helpful votes
March 5th, 2024

This is the worst company ever I purchased an item and I was charged 1495 by the time flexshopper got my account the item ended up be 1673.54 and then they say their is nothing that they can do I paid taxes on the item at the store then flex shopper turns around and charges me taxes again on top of that the customer service is horrible please do not use them at all if you see them please run far away..

Service
Value
Quality
Thumbnail of user melissak1460
1 review
3 helpful votes
January 13th, 2024

I ordered a 3 bunk bunk bed from this company with payments to be automatically taken out. They take out the payments each week never on a certain day or date, whenever they decide to pull out the payment they do. Then they charge you late fees even though me the customer has automatic payments come out and has no control on when Flexshopper.com pulls my payments out. This company will not honor your contract, they try to make you pay for their mistakes. Stay away! And customer service does not help at all they try to make excuses for themselves and don't care about your contract! I would give a 0 star if I could.

Thumbnail of user jenniferhutchinson58
1 review
0 helpful votes
February 13th, 2024

I ordered a vacume from flexshopper.worst deal ever they keep debating your account even after u paid them off and keep saying u owe more than u actually do.customer service is a joke they do not help you straightened anything out.do not order from them I know I'll never do that agian.

Thumbnail of user micheller1503
1 review
4 helpful votes
July 21st, 2021

New account, and already regret it. If I could return the merchandise I would! I'm stuck with the hellish, harassing phone calls now for missing one payment and I have to provide proof with bank statements and have to make TWO payments upfront to change my billing cycle, and I never recieved my 2nd week free when I used thier promo code. I'm just over it! What seemed like a great deal turned into misery real quick. DON'T DO IT! I'm stuck in this now!

Thumbnail of user georgec2163
1 review
0 helpful votes
March 20th, 2024

I was tricked my a mechanic to sign up for a flexshopper account. I had to pay weekly and was $200 shy off paying it off. I asked the customer service rep for a ONE day extension since my payday was on Friday. They said no and now I'm getting threatening emails saying I owe $1800. They keep blowing up my phone harassing me with random numbers. This is by far the worst company I have ever experienced. I lost my job a year ago due to a disability and tried to tell them that hoping they would send it to collections and i can deal with it when mu spine heals. They were very rude to me and to this day continues to harass me. This company is beyond predatory. They trap you into loans they know you can't pay. Adjust amounts as they see fit. Call you daily from scammer numbers. And are just all together the worst greedy company ever. Heed my warning do not use this company.

Service
Value
Shipping
Returns
Quality
Thumbnail of user jamesloganv
1 review
0 helpful votes
February 15th, 2024

The lease agreement set up to where they make a difficult for you to payoff quickly. I was told I can change my payment date to 1mo, but they don't tell you that you have to pay up front for the remainder of the month before they begin taking monthly payments. They also do not give you the option of beginning monthly payments until you have made four consecutive payments for 1 month. Its simple. You pay for 4 weeks and in the 5th week you make a monthly payment. They don't do that. You still have to pay the additional 1 week or the 5th week which means you're overpaying. The lease is set up for sneaky frivolous charges where they can make the most money out of you for an extended amount over the time. You actually wind up paying double for your purchase if not more. They also went into a previous account that they were not authorized to go into using expired credit cards from a previous purchase. They also entered incorrect account info phishing for a payment. They're crooked legalized loan sharks. I plan on filing a lawsuit once I pay them off and reporting them to the NYC comptrollers office and the BBB.

Tip for consumers:
Just don't use them. They need to be investigated.

Products used:
Lease Agreement Flexshopper Rent to Own

Service
Value
Quality
Thumbnail of user nicolek1009
1 review
4 helpful votes
April 19th, 2022

If you use them please make sure you pay or they will harass you and by harass I mean harass 8-12 calls a day. I missed 3 payments due to losing my job. They even contacted family members when I didn't even give my family's info out. I have screen shot and kept all my phone records. They make it impossible to return your items… and if you want a payment arrangement they make you put a huge chunk up front. Beyond ridiculous. I understand they want their money but there are correct measures to take. Even though I'm up to date now I will never use again or recommend.

Service
Value
Shipping
Returns
Quality
Thumbnail of user kellyz31
T-Flex F. – FlexShopper Rep

Hello Nicole,
We appreciate you reaching out to us, we would like to address and review your incident. Please contact our Billing department via phone at (855) 353-9289 and a representative will be happy to help you. If you prefer, please provide your email address and phone number in a private direct message for assistance as well. We are here to help you and discuss the details regarding your lease agreement.

Thumbnail of user noond
1 review
2 helpful votes
December 16th, 2019

Those who are against this just don't manage money well, but it is a very flexible way to juggle if you know what needs to be done.

Thumbnail of user ronnieh243
1 review
2 helpful votes
December 17th, 2023

So I called to skip a payment and pay it another time. The lady I was talking to was nothing but rude and hung up my call not once but twice really classes I tell ya never buy from this place it's a joke just save the money and get it the right way becuz ur paying way to much for some stuff anyways criminal but don't take it from look at more recent posts.

Tip for consumers:
F this place.

Products used:
Hand-held gaming consoles

Service
Value
Shipping
Returns
Quality
Thumbnail of user cathrynw161
1 review
1 helpful vote
January 18th, 2020

I paid off 2 items. They will work with you on payments. I'm glad someone told me about thisprogram.

Thumbnail of user maryd3833
1 review
6 helpful votes
December 11th, 2023

I ordered an Apple Watch Ultra and realized it was the original instead of the Apple Watch Ultra 2. I immediately contacted Flex shopper and canceled. I was assured that it was ok to proceed with ordering the correct watch. The incorrect watch arrived in shipping 2 days AFTER the correct watch. I then had to go through what is called their "return request" process. They asked for photos which I sent. 2 Days later a return label was shipped and I called and was advised that a stop payment would be automatic. What they failed to clarify was that the stop payment only happens for a few days and that they would proceed to withdraw from banking until it appeared in their system. I called back and was hit with the additional details that I will never receive a refund for what has already been paid toward a device I never opened and had originally canceled. This company is not forthright and I will NEVER shop with them again. I highly DO NOT recommend this company as they will keep their hands in your pocket as their scam hides behind the fine print of their shady contracts.

Tip for consumers:
DO NOT SHOP WITH THEM

Products used:
Ultra 2

Service
Value
Shipping
Returns
Thumbnail of user raynells1
1 review
18 helpful votes
August 7th, 2020

I purchased 4 items and sent one back (Daybed) because it wasn't made properly. Today, I called to pay off 3 of the items and a nice gentleman named Jewels assisted me. I was pleased with his help. I gave a 4 star because the return of the day bed is not showing as returned on my account. Also, the website needs to be updated so you can see the balance due and to be able to pay it off on the website. Other than those thing I am pleased so far.

Thumbnail of user bobbyj132
1 review
0 helpful votes
September 15th, 2021

Support was fantastic. I called about a settlement and the settlement person was not available. But they will reach out to me at a future date

Thumbnail of user tessm89
1 review
7 helpful votes
October 19th, 2023

Do not believe anything you see on this website. I purchased tires for my vehicle through FlexShopper and despite making my payments within 3 months to avoid interest, this company charged me $115 on top of my original payment as a "sales tax". Absolutely rediculous. If you use this company please take heed and read the entire terms and conditions document or they will rip you off.

Service
Value
Shipping
Returns
Quality
Thumbnail of user jebm6
1 review
13 helpful votes
September 22nd, 2023
Verified purchase

I placed an order at bestbuy with flexshopper. It was for store pick up, they said one to two hours and it would be ready. Waited all day and never got a conformation or anything and bestbuy said they had no information on it.
So I just canceled the order.
They refunded the initial payment and two days later took the same payment again.
The only thing the flexshopper billing person told me was to send them screenshots of my bank account or they want help me.
My bank told me not to worry about it and they're gonna file against them for fraud.

Thumbnail of user nonitom
1 review
3 helpful votes
September 6th, 2019

I don't like to give negative comments on other people but I believe this will be helpful. I passed an order yesterday night that was declined an hour later and I will get my security deposit refund in 3 days but that was not the issue. The issue was the agent Luella not letting me finish my sentences so I asked her if she could let me finish talking. When I finished and answered her question she literally told me "That's all I needed to know sir". I guess she had to get the last word but it's fine by me. Even though the item was in the site she told me that i needed to open a personal shopper to get it. I am just waiting for my refund and will probably not use the website again. I read the reviews before but told myself i would give it a try. But my experience so far has only been red flags. I am sure the company can improve and strive though cause it's overall a good idea.

Thumbnail of user kellyz31
T-Flex F. – FlexShopper Rep

Thank you for providing your feedback and letting us know about this issue, Joe. We set a high standard for ourselves and are truly sorry to hear that standard was not met in your interaction with us. Please get in touch with our Customer Service Manager on(855) 353-9289 and we'd be happy to help you out. We can assure you that we aim to make every experience a great experience.

Cheers,

FlexShopper

Thumbnail of user amandah2495
1 review
4 helpful votes
December 2nd, 2023

I feel that FLEXSHOPPER is a predatory lender & will never do business with them again! I purchased 4 tires with Flexshopper last April ( this is now December after weekly deductions of $30.83 are automatically taken out of my checking account) They said after the 4 month lease ended in August is when the payments started applying toward the loan. Its a 52 week contract. Lease? Who leases tires? The sales rep asked if i read the agreement. (Who reads agreements?) I paid it off right then and there. Tires are expensive, and FLEXSHOPPER made them even more expensive. Never ever again will I, nor will I even allow my friends or family - to ever utilize FLEXSHOPPER!

Thumbnail of user juno774815
1 review
11 helpful votes
May 11th, 2023

Do not work with them. At all. We paid our leases off back in Dec. They wait until 4 months later to tell us our leases were never paid off. We told them multiple times that they did not have our permission or authorization to take out a payment that doesn't need made, but yet they still did it anyway. They are HORRIBLE to work with. They are rude, ignore you, and STILL try to tell you you're lying about everything even after sending them proof of every single payment made.

Service
Value
Shipping
Returns
Quality
Thumbnail of user zombiek1
1 review
4 helpful votes
December 11th, 2023

Don't buy anything from here you have interest to pay off just save your money. Go buy it from Walmart or GameStop with no interest fee.

Tip for consumers:
Nope just fraud scam

Products used:
Nintendo switch

Service
Value
Shipping
Returns
Quality
Thumbnail of user marys1521
1 review
2 helpful votes
December 21st, 2019

Worse than payday loans and when calling customer service, she only kept repeating the same answer as it was prescripted due to lack of knowledge. I had a balance of $5.00 and within 2 weeks they charged an additional $10.00 and said "they take out the payments as previously". Well, if you don'[t owe $15.00, why are they still taking out $15.00 instead of just what is owed ont he balance. I paid twice as much for the cheapest tires which turned out to be the most expensive by the time I paid it off. READ THE FINE PRINT BECAUSE YOU WILL PAY 500% IF NOT MORE IN INTEREST ALONE.

Customer service hung up on me because she didn't have an answer as to why they took out my weekly amount when the weekly amount was not owed on the balance - less than half was still owed.

DON'T USE THEM - CUSTOMER SERVICE IS OBVIOUSLY PROVIDING PRE-SCRIPTED ANSWERS DUE TO THEIR LACK OF ANY KNOWLEDGE OF HOW LOANS WORK OR EVEN THEIR OWN WEBSITE.

VERY RUDE CUSTOMER SERVICE -

Thumbnail of user kellyz31
T-Flex F. – FlexShopper Rep

Thank you for the feedback Mary. We are sorry to hear this happened and would like to clear up any confusion that may have been caused. We also want to apologize if any one of our representatives delivered anything less than stellar customer service. We hold ourselves to a high standard and we see that was not met in your interactions with us. We'd like to further investigate this matter with you to ensure you receive the proper information and any errors are corrected. Please reach out to us and request to speak to the Customer Service Manager. Mention this review. We will also try to reach you based on the information provided.

Sincerely,
FlexShopper

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From the business

FlexShopper provides a flexible and easy way for you to get the furniture, electronics, appliances and other popular brand name goods with affordable, weekly payments.

Company Representative

Thumbnail of user kellyz31
T-Flex F.
Typically does not respond to reviews

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2.3
750 reviews
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