FLEX PAY FINANCING
Build Now. Pay Over Time.
Spread the cost of your purchase over low monthly payments.
Select Flex Pay at checkout to pay over time.
Buy now. Pay over time. Pay as little as $0 today! Interest-free payments may be available!*
Choose Flex Pay as your payment method at checkout
Enter a few pieces of information and select your payment plan
Enjoy your purchase and make surprise-free monthly payments
*Payment plans through Flex Pay feature repayment terms of 3-60 months and annual percentage rates (APRs) of 0%-36%. Well qualified applicants may be eligible for 0% APR. Down payment may be required. Well qualified applicants may be eligible for $0 down payment. Based on a purchase price of $1,499.00 you could pay just $124.10 today, followed by 12 monthly payments of $124.10 at 15% APR. Minimum $100.00 purchase required. 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. Privacy Policy. Terms of Use. Upgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs.
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.
Buy Now, Pay Later
How Flex Pay Works
Make thoughtful purchases now and pay over time through Flex Pay.
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, Answered.
Your questions about Flex Pay, answered.
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?
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.
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 any time 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 any time 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, it will be delivered to you, even before you finish making your loan payments.
What is your Privacy Policy and Terms of Use?
You can read the Privacy Policy here: upgrade.com/flex-pay/privacy
You can read the Terms of Use here: upgrade.com/flex-pay/terms
Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 0% to 36%. Minimum $150 purchase required. Not everyone is eligible. Loans made through Flex Pay by Upgrade are offered by these lending partners: Lending Partners. Privacy Policy. Terms of Use. Flex Pay's Address: 275 Battery St 23rd floor, San Francisco, CA 94111