# Buy Now, Pay Later through Flex Pay

## Feel good about what you buy and how you pay for it.

- Low monthly payments
- Easy application
- No Flex Pay fees

## Simple, surprise-free monthly payments let you buy now and pay later

Make thoughtful purchases now and pay over time through Flex Pay.

### Fast

Easy application and a quick decision.

### Easy

Flexible options and no late or prepayment fees.

### Convenient

For everything from travel to everyday necessities.

## 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

## The world's leading brands trust Flex Pay

## Flex Pay helps you get the things you need—from last minute travel accommodations to that special purchase

### Flights

Take to the skies and get where you're going the easy way.

### Cruises

See the world in style and comfort on the world's best cruise lines.

### Hotels & Resorts

Plan the perfect getaway to dream destinations and resorts.

### Retail

Get the things you need, from big ticket items to everyday necessities.

### Become a partner

A winning combination to make your sales soar.

## FAQ

### How does Flex Pay work?

Flex Pay is very easy to use. Just shop 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 and date of birth. If you're approved, just select your offer, finish checking out and you're done.

### 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 and date of birth. If you're approved, finish checking out and you're done.

### Are there any fees?

No, there are no additional fees when using Flex Pay when monthly payments are made on time.

### Who does Flex Pay partner with?

Flex Pay partners with the brands you love the most to make it easy to purchase the things that matter most.

### Who issues Flex Pay loans?

Flex Pay loans are made through Upgrade Inc. and are issued by [these lending partners](/content/flex-pay/lenders/index.html).

### How are my loan term offers determined?

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

### Does a loan through Flex Pay have interest?

Yes, a loan through Flex Pay may incur interest charges, though there may be interest-free offers available for those who qualify.

APRs may range from 0% to 36% and are based on a number of factors including your consumer credit information, purchase details, current loan activity, and more.

### How do I make payments?

You can make installment payments by visiting the Upgrade dashboard on desktop or through the Upgrade app. You can also [send your check by mail](https://upgrade.zendesk.com/hc/en-us/articles/115000326587-Can-I-pay-by-check).

### Can I enjoy my purchase before paying off my loan?

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 or check in whenever you like—even before you’re all paid off.

The same goes for retail purchases.