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

Budget-friendly loan options

Easy Application

Quick decision

Surprise-Free

No late fees or prepayment penalties

Easy AutoPay

No payment dates to remember

How Flex Pay works


Make thoughtful purchases now and pay over time through Flex Pay.

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Step #1: Select Flex Pay at Checkout

Add purchases to your cart just like you normally would. When you are ready to check out, choose Flex Pay as your form of payment.

Step #2: Quick & Easy

Provide a few pieces of information and receive a quick decision.

Step #3: Enjoy Now

If approved, enjoy your purchase now and pay for it over time with low monthly installments.

FREQUENTLY ASKED Questions

  • 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 and add them to your cart just like you normally would. When you are ready to checkout, 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 any time by visiting https://www.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     https://www.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 any time by visiting     https://www.upgrade.com/pay.

  • Yes. As soon as the merchant has processed your purchase, it will be delivered to you, even before you finish making your loan payments.

  • You can read the Privacy Policy here: https://www.upgrade.com/flex-pay/privacy/


    You can read the Terms of Use here:     https://www.upgrade.com/flex-pay/terms/