Flex Pay by Upgrade

Learn more about Flex Pay

How Flex Pay works

Shop

Add items to your cart or itinerary

Choose Flex Pay

Select Flex Pay as your payment method

Apply

Apply and receive your decision in minutes

Enjoy!

Travel or enjoy your purchase now and pay later

How Flex Pay Works

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 others 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. If approved, choose the terms of your payment plan, finish checking out, and enjoy your purchase. Then, pay over time with simple, no-surprise monthly payments.

Why choose Flex Pay?

Flex Pay allows you to purchase what you want now and pay with fixed monthly payments. It’s often a better alternative to credit cards because we charge only simple interest, while some credit cards charge interest on interest. It also makes budgeting easy, so you can manage your expenses over time instead of paying one large sum all at once.

How does Flex Pay work?

Flex Pay is very easy to use. Just shop as you normally would. When you are ready to check out, select Flex Pay as your payment method.

To apply, you’ll need to provide basic information like your mobile number and date of birth. If approved, just select your offer, finish checking out, and you’re done.

Is there a difference between Uplift and Flex Pay?

Flex Pay by Upgrade or just Flex Pay is the brand name of our Buy Now, Pay Later product.

Uplift Canada Services ULC is the lender for that product. That’s why Uplift appears on various documentation, like a Flex Pay loan agreement.

Why am I seeing Uplift on my bank statements?

You may continue to see Uplift on your bank statements for a period of time while we finalize the brand name change. Don’t worry, this is normal, but if you’d like to talk to our customer support team about any concerns, please reach out.

Who issues Flex Pay loans?

Flex Pay loans are issued by Uplift Services Canada ULC, a subsidiary of Upgrade, Inc.

How do I apply to pay through Flex Pay?

Shop for your items and add them to your cart just like you would normally. When ready to check out, select Flex Pay as your payment method. To apply, you 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 approved, finish checking out and you’re done.

What are the advantages of using Flex Pay vs. a credit card?

While some credit cards charge interest on interest, Flex Pay charges only simple interest. If you carry a balance on a credit card, it can be hard to understand the cost. With Flex Pay, the cost is clear at the time of purchase, with simple interest, predictable payments, and no fees.

I purchased a trip or booked a hotel using Flex Pay. Can I travel before it's paid off?

Yes! You can travel or check in whenever you like—even before you're fully paid off.

When booking a hotel, what’s included in my offer?

When paying for a hotel booking with Flex Pay, your loan will cover your room rate, taxes, fees, and add-ons listed on the booking confirmation page.

When booking a hotel, does my offer cover additional charges?

While we don’t charge fees, your hotel may charge additional fees during your stay for amenities like resort fees, parking, and WiFi. Please review the hotel’s website or contact them directly for more information.

Can I purchase travel on behalf of someone else?

With some merchants, you can use Flex Pay to purchase travel on behalf of someone else. A travel provider who has enabled this feature will indicate it during the application process.

What happens to my loan if I cancel my travel plans?

You’ll need to initiate cancellations with the travel provider first. If their cancellation policy allows for a refund, we’ll update your account after processing. If not, you are still responsible for the outstanding balance.

How long does it take for a refund to be applied to my account?

Once we receive a refund from the merchant, we’ll apply the full amount to your account balance within 10 days.

How do I receive a refund?

You’ll need to initiate any cancellation or returns with the merchant first. If you receive a refund based on their policy, we will apply it to your outstanding balance.

Can I apply before knowing what I want to purchase?

Our application process occurs at checkout, directly through our partners’ websites. Loan proceeds are paid directly to the merchant for the purchase of goods and services.

Does checking my rate affect my credit score?

When you check your eligibility, a soft credit inquiry occurs. This doesn’t affect your credit score. Flex Pay does not perform hard credit inquiries.

I received an error at checkout, what should I do?

If you receive an error message or can't complete your purchase due to technical issues, you can submit a new application.

Can I apply for Flex Pay over the phone?

No. Applications must be made through our merchant partner's websites after selecting Flex Pay at checkout.

How do I contact Customer Support?

Our Customer Support team is available seven days a week from 5:00 AM to 7:00 PM (PST) at (844) 257-5400.

How are my loan term offers determined?

We consider various factors, including your credit information, purchase details, and more.

Can I purchase upgrades and add-ons through Flex Pay?

Yes! You can use Flex Pay for upgrades, insurance, extended warranties, shipping, and more, depending on what the merchant offers at purchase.

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 before you finish making your loan payments.

What kind of products and services can I purchase using Flex Pay?

Flex Pay can be used for a wide range of products and services from our travel partners and retailers.

Does Flex Pay charge any fees?

No, we do not charge any fees on Flex Pay loans. This includes late fees and prepayment penalties.

Can I have more than one loan at a time?

Yes—you can have more than one active loan at a time. Each application is considered based on credit information and current loan activity, and previous approval doesn’t guarantee future approvals.

Do you offer pre-approval?

No, we do not offer pre-approval in Canada, though it may be available for US residents.

How is my interest/APR determined?

APRs may range from 0% to 35% for Canadian residents and 0% to 36% for US residents, based on various factors.

Where is Flex Pay available?

Flex Pay is currently available throughout the United States and Canada.

Payments & Refunds

I’m expecting a refund, when will the refund be applied to my account?

Once we receive a refund from the merchant, we apply it to your outstanding balance within 10 days.

How can I update the form of payment that I have on file?

You can change your payment method by logging into your dashboard. We recommend connecting your bank account.

How do I make installment payments?

You can set up autopay or make one-time payments online or by mail.

Need Help?

Email us at support@upgrade.com or call us at (844) 319-3909, Monday - Friday, 5:00 AM - 7:00 PM PT.