Enjoy Now.
Pay Over Time.

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 upgrade.com/pay, click on the Accounts page, and set the Autopay toggle to ON.

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 and clicking on the Loans tab. From there, click the Make a Payment button.

You can also change the form of payment on file with Flex Pay any time by visiting 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 our Privacy Policy at upgrade.com/flex-pay/privacy and Terms of Use at upgrade.com/flex-pay/terms.