What is Flex Pay?

Flex Pay by Upgrade is formerly known as Uplift. Uplift, Inc. (NMLS #1897458), is a subsidiary of Upgrade that offers personalized and flexible payment options for travel and retail. Flex Pay by Upgrade gives you the freedom to purchase what you want now and pay over time with simple fixed installments offered through its lending partners.

Upgrade is a financial technology company, not a bank, and is not FDIC insured. All loans are provided by bank and financial institution partners. Upgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs.

Flex Pay by Upgrade Lending Partners

• Celtic Bank issues most loans in the United States.
• Uplift, Inc. originates loans in Colorado.
• Uplift Canada Services ULC originates loans in Canada.
• CBW Bank issued loans in the United States (through November 2024).