Book now. Pay over time.

Flex Pay gives you the freedom to book travel 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.

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 whenever - even before you're all paid off.

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.

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

You can make a payment anytime by visiting upgrade.com/pay and clicking on the Loans tab. From there, click the Make a Payment button.

Flex Pay recommends 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.

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 what it will cost you. With Flex Pay, the cost is clear at the time of purchase, with simple interest, predictable payments, and no fees.

You’ll need to initiate any cancellations with the travel provider first. If the travel provider’s cancellation policy allows for a refund, Flex Pay will update your account after the cancellation is fully processed. If you are not eligible for a refund from the travel provider, you are still responsible for the outstanding balance and your monthly payments remain the same until your balance is paid in full.

Once Flex Pay receives a refund from the merchant, we will apply the full amount to your account balance within 10 days.

If you receive a refund for more than the balance owed on your account, Flex Pay will credit back all remaining funds to the method of payment used to make the initial payment. In the event that you no longer have that method of payment (e.g., you used a card that is no longer valid), we will work with you to issue an electronic refund through Zelle.

You’ll need to initiate any cancellation or returns with the merchant first. If you are eligible for a refund from the merchant based on their refund policy, Flex Pay will apply the refunded amount to your account balance and credit back all remaining funds to your method of payment used to make the initial payment. In the event that you no longer have that method of payment (e.g., you used a card that is no longer valid), we will work with you to issue an electronic refund through Zelle.

If you receive a refund for less than the balance owed, you are still responsible for the outstanding balance and your monthly payments remain the same until your balance is paid in full.

US Residents: When you check your eligibility, a “soft” credit inquiry occurs to verify your identity and determine your eligibility for financing. A soft credit inquiry doesn’t affect your credit score. Flex Pay does not perform a hard credit inquiry.

Canadian Residents: When you check your eligibility a “soft” credit inquiry occurs to verify your identity and determine your eligibility. A soft credit inquiry doesn’t affect your credit score. However, when you submit an application, a hard credit inquiry will be placed, which may impact your credit score.

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.

While Flex Pay never charges any fees, your resort may charge additional fees during your stay for amenities such as resort fees, parking, and WiFi. For more information, please review the resort’s website or contact the resort directly.