Pay Later. 0% APR.
Spread the cost of your purchase over low monthly payments.*
Experience Buyer’s Joy
Feel good about what you buy and how you pay for it. With Flex Pay, you can make thoughtful purchases and pay for them in bite-sized pieces while keeping yourself on budget.
Low Monthly Payments
Easy Application
Surprise-Free
Easy Autopay
How Flex Pay Works
1
Ask to Use Flex Pay When Checking Out
2
Quick & Easy
3
Enjoy Now
Frequently Asked Questions
- What is Flex Pay?
- 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.
- How do I apply to pay through Flex Pay?
- 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.
- How are my loan term offers determined?
- We look at a number of factors, including your credit information, purchase details, and more.
- How do I make installment payments?
- 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.
- Can I receive my items before paying off my purchase?
- Yes! As soon as the merchant has processed your purchase, the items are yours to keep, even before you finish making your loan payments.
- What is your Privacy Policy and Terms of Use?
- You can read our Privacy Policy at upgrade.com/flex-pay/privacy and Terms of Use at upgrade.com/flex-pay/terms
* 0% APR offer available on purchases of $1,000 or more on 3-12 month terms for well-qualified applicants. Based on a purchase price of $10,000, you could pay a down payment of $587.21 today, followed by 18 monthly payments of $587.21 at 15% APR. Down payment may be waived for well-qualified applicants. Minimum $100 purchase required for non-0% APR offers. Actual terms are based on your credit score and other factors and may vary. Not everyone is eligible. Loans made through Flex Pay by Upgrade are offered by these lending partners: upgrade.com/flex-pay/lenders.