There is no fee to set up Flex Pay and as long as you repay by ACH within 3 business days of us covering an expense from your Flex Account, you will not pay any fees at all. If you repay with a credit card, there will be a processing fee. If you do not repay within 3 business days, to cover the amount, the Flex expense will continue as a draw automatically from your line of credit according to your regular rates. In your Settings, you can set whether these draws are created with 12 or 24 week repayment plans.