Pay Over Time

Pay Over Time lets you split purchases of $100 or more into equal monthly payments with a fixed monthly fee and no interest charges. Your monthly plan payment and fee are included in your minimum payment due until the plan is paid off.

Here's how to get started:

1. Sign in to your Account Dashboard to see which purchases are eligible

2. Pick the purchase(s) you want to convert

3. Choose your payment term and review your monthly fee

4. Make your regular card payment each month; your plan payment is already included

Plus, if your Upgrade OneCard has a rewards program, you'll still earn rewards on converted purchases.

You'll pay a fixed monthly fee of up to 1.72% of your purchase amount and no interest. Your exact fee depends on:

• Your purchase amount • The number of months you choose • Factors like your creditworthiness

You'll see your total monthly payment and fee before you confirm your plan.

You can choose a payment term of 6, 9, 12, 18, 24, or 36 months. Pick what works best for your budget.  You'll see your monthly payment and fee upfront before you confirm.

Most purchases of $100 or more are eligible. Some purchases don't qualify, such as items already converted to a Pay in 4 Loan. When you enroll, your Account Dashboard will show you which purchases qualify.  

Eligible purchases will be shown on your Account Dashboard, along with any applicable minimum amount requirements.

You need to convert an eligible purchase by the end of the billing cycle in which the purchase was made. If you miss that window, the purchase won't be eligible for a Pay Over Time Plan.

No. Your first payment will be included in your next minimum payment due. There's nothing to pay upfront when you set up your plan.

Your monthly plan payment and fee are automatically included in your minimum payment due each month. Just make your regular card payment and you'll be paying down your plan at the same time. 

Any extra amount is applied to balances with the highest APR first. If your Pay Over Time Plan has a higher APR than other balances, it may get paid off before those lower-rate balances. Review your OneCard Account Agreement for more details.

Any interest that accrued on your purchase before you converted it to a Pay Over Time Plan won't be included in the plan. Instead, it'll be added to your regular Purchases balance.

Access depends on several factors, including your creditworthiness, credit limit, and how you manage your Upgrade accounts. We review these regularly, so your access may change.

Pay Over Time is not available if your account is past due, in default, closed, or part of a workout or modification plan.

No. There's no additional credit check when you convert a purchase to Pay Over Time. You're already approved to use this feature with your OneCard.

If you don't pay your minimum payment due in full by the due date, we may adjust your monthly payments, including your final payment, to help you pay it off in full.

You also won't be able to start a new Pay Over Time Plan until your outstanding minimum payment is paid in full and your account is back in good standing.

Yes. You can cancel your Pay Over Time Plan at any time through your Account Dashboard.  Just sign in, view your plan, and select the cancel option.

If you cancel, the remaining balance will move to your standard card balance and accrue interest at your Standard Purchase APR. If your original purchase had a promotional or introductory APR that's no longer active, your Standard Purchase APR will apply from that point forward.

Yes.  Eligible purchases need to be at least $100 and can be up to your available credit limit. You'll see which of your purchases qualify when you sign in to your Account Dashboard.