Buy Now, Pay Later through Flex Pay

Upgrade is a financial technology company that helps customers make smart financial decisions by providing affordable and responsible credit options (offered by its bank partners). We also offer free credit education tools that may help consumers better understand and manage their finances.

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.

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.

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

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

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

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

You can make installment payments by visiting the Upgrade dashboard on desktop. You can also send your check by mail.

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.