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 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.

Shop for your items in store. When you are ready to check out, simply ask the sales associate to use 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.

We recommend 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.

Yes! As soon as the merchant has processed your purchase, the items are yours to keep, even before you finish making your loan payments.

You can read our Privacy Policy at upgrade.com/flex-pay/privacy and Terms of Use at upgrade.com/flex-pay/terms