About Flex Pay by Upgrade | Upgrade

About us

Helping you move up

Upgrade helps you make smart financial decisions to help you reach your goals. Like buying a new bike. Fixing the roof. Or finally paying off that fancy fridge. All without getting trapped by endless revolving credit card debt, or sidetracked by sneaky banking fees.

That’s because we believe credit should be affordable and responsible. So we design all our credit, mobile banking and payment products to do three things:

Give you responsible options.

Keep you on track.

And reward you along the way.

The way it should be.

In just the last five years, we’ve made over $18 billion of credit available to our American customers. Millions of families across America are now using an Upgrade Card, Loan, or Rewards Checking account (not currently available in Canada). And now, we offer buy now, pay later options for retail and travel through Flex Pay in Canada. That's millions of people getting more value. And a better experience, too.

Recognized for our products

Recognized for being a great place to work

2026 America’s Best Startup Employers](https://www.forbes.com/lists/americas-best-startup-employers/)

2026 Best Places to Work](https://builtin.com/awards/san-francisco/2026/best-large-places-to-work#upgrade-inc)

2022 Best Places to Work in Fintech](https://www.americanbanker.com/list/best-places-to-work-in-fintech-2022)

Our offices

San Francisco

Headquarters

Phoenix

Service Center

Montréal

Engineering Center

Atlanta

Regional Office

Orange County

Regional Office