What is Flex Pay?

Flex Pay gives you the freedom to book travel now and pay over time with simple fixed installments. Some plans include interest while some are interest-free. When you’re ready to checkout, just select “Flex Pay” as your payment method, complete a short application, and receive a quick decision. Choose the terms of your payment plan, finish checking out, and enjoy your purchase. Then, pay over time with simple, no-surprise monthly payments.

How do I apply?

Shop for your items and add them to your cart just like you normally would. When you are ready to checkout, simply select Flex Pay as your payment method. To apply, you’ll need to provide some basic information like your mobile number, date of birth, and if you are a US resident, your Social Security Number. If you’re approved, finish checking out and you’re done.

How are my loan term offers determined?

We look at a number of factors, including your credit information, purchase details, and more.

How do I make payments?

You can make a payment anytime by visiting upgrade.com/pay and clicking on the Loans tab. From there, click the Make a Payment button.

We recommend that you enable AutoPay at time of purchase so that your payments are automatically deducted each month.

If you don't have AutoPay enabled, visit upgrade.com/pay, click on the Accounts page, and set the AutoPay toggle to ON.

You can also change the form of payment on file with Flex Pay anytime by visiting upgrade.com/pay.

Can I travel before my trip is paid off?

Yes! You do need to allow a few days between booking and your departure date for things to process. Other than that, you are free to travel whenever – even before you’re all paid off.

What is your privacy policy and terms of use?

Here is a link to our privacy policy and terms of use.