Book now, pay over time for your next adventure interest-free!

There's no smarter way to pay for your dream vacation than with 0% APR through Flex Pay. Make memories you'll never forget.

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 budget.

Low Monthly Payments

Budget-friendly loan options

Easy Application

Quick decision

Surprise-Free

No late fees or prepayment penalties

Easy AutoPay

No payment dates to remember

How Flex Pay Works

1) 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.

2) Quick & Easy.

Provide a few pieces of information and receive a quick decision.

3) Enjoy Now

Enjoy your purchase now and pay for it over time with low monthly installments.

Frequently Asked Questions

What is Flex Pay?

Flex Pay gives you the freedom to purchase what you want now and pay over time with simple fixed installments. Some plans include interest while some are interest-free. When you’re ready to check out, 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 check out, 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 installment payments?

You can make a payment anytime by visiting upgrade.com/flex-pay/terms 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 receive my items before paying off my purchase?

Yes! As soon as the merchant has processed your purchase, it will be delivered to you, even before you finish making your loan payments.

What is your Privacy Policy and Terms of Use?

You can read our Privacy Policy at upgrade.com/flex-pay/privacy/ and our Terms of Use at upgrade.com/flex-pay/terms/

Disclosure:

0% APR offer available on 3, 6 and 9 month terms on bookings from 4/28/25 - 6/30/25 for well-qualified applicants. Based on a purchase price of $800 you could pay a down payment of just $118.59 today, followed by 6 monthly payments of $118.59 at 15% APR. Minimum $49 purchase required. Actual terms are based on your credit score and other factors, and may vary. APRs range from 0% to 36%. Not everyone is eligible. Loans made through Flex Pay by Upgrade are offered by these lending partners Upgrade.com/flex-pay/lenders/, Privacy Policy, Terms of Use.

Flex Pay’s Address: 275 Battery St 23rd floor, San Francisco, CA 94111

0% APR offer available on 3, 6 and 9 month terms on bookings from 4/28/25 - 6/30/25 for well-qualified applicants. Based on a purchase price of $800 you could pay a downpayment of $118.59 today, followed by 6 monthly payments of $118.59 at 15% APR for a total repayment amount of $830.12 ($800 in principal and $30.12 in interest). APRs range from 0% to 31.99%. Minimum $49 purchase required. Actual terms are based on your credit score and other factors and may vary. Not everyone is eligible. Applicants are subject to approval by Uplift Canada Services ULC, a subsidiary of Upgrade, Inc Privacy Policy, Terms of Use.

Flex Pay’s Canada Address: 410 Adelaide Street West, Suite 220, Toronto, ON M5V 1S8, Canada.