Book Now. Pay Later.
Spread the cost of your purchase over fixed monthly payments.
Experience Buyer's Joy
Feel good about what you buy and how you pay for it. With Flex Pay, you can make thoughtful purchases and pay for them in bite-sized pieces while keeping yourself on a budget.
Low Monthly Payments
Know exactly what you owe each month
Quick Application
Enter a few pieces of information and receive a quick decision
No Late Fees
And no prepayment penalties
Easy AutoPay
No payment dates to remember
How Flex Pay works.
Select Flex Pay at Checkout
Add purchases to your cart just like you normally would. When you are ready to check out, choose Flex Pay as your form of payment.
Quick & Easy
Provide a few pieces of information and receive a quick decision.
Enjoy Now
Enjoy your purchase now and pay for it over time with fixed monthly installments.
Frequently asked questions
Flex Pay is a buy now, pay later product by Upgrade that gives you the freedom to purchase what you want now and pay over time with simple monthly payments. Some plans include interest while some are interest-free.
Upgrade is a financial technology company, not a bank, that provides affordable, responsible credit through its lending partners.
When you are ready to checkout, simply select Flex Pay as your payment method. To apply, you'll need to be at least 18 years old and provide some basic information:
- Your mobile number
- Date of birth
- Your Social Security Number - if you are a US resident
If you're approved, finish checking out to complete your purchase. Note, residents in lowa, West Virginia, or D.C. are not eligible to use Flex Pay.
Upgrade's lending partners look at a number of factors, including your credit information, purchase details, and more to determine Flex Pay loan terms, If vou have questions about vour payment plan. please visit vour Upgrade account via the app or online or contact us at customercare@upgrade.com or call us at (844)-257-5400 Monday - Friday, 5:00 AM to 7:00 PM PT. Saturday - Sunday, 6:00 AM to 5:00 PM PT.
You have the flexibility to make payments in a number of different ways.
View your Upgrade account online or in the App and review your upcoming installments under the "Loans" tab in your account.
Set up auto-pay or, for one-time payments that you'l make each month, you can:
- Pay online in your dashboard
- Pay by mail: send a personal check, cashier's check, or money order
To manage your loan through Flex Pay, you'll first need an Upgrade account. If you're new to Upgrade, you can create your account here to get started.
Yes! Once you receive booking confirmation from the merchant, you're free to travel whenever - even before you're all paid off. Flex Pay will also send you a confirmation with your payment plan details.
Any changes or cancellations made by the merchant or the traveler will be subject to the merchant's terms and conditions.
Here is a link to our Privacy Policy and Terms of Use.
Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 0% to 36%. Minimum $150 purchase required. Not everyone is eligible. Loans made through Flex Pay by Upgrade are offered by these lending partners: Flex Pay Lenders. Privacy Policy Terms of Use. Upgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs. 275 Battery St 23rd floor, San Francisco, CA 94111