Why Flex Pay?

Flex Pay gives you the freedom to book your travel now and pay over time. With no-surprise payments you can easily budget and book the trip you deserve. Choose a cruise or any travel product. We can help!

Contact us for more information. Participating locations only.

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?

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 and date of birth. 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

I purchased a trip using Flex Pay, can I travel before it's paid off?

Yes! You do need to allow a few days between booking and your departure date for things to process. Other than that, you are free to travel whenever - even before you're all paid off.

What is your Privacy Policy and Terms of Use?

You can read our Privacy Policy at upgrade.com/en-ca/flex-pay/privacy/ and Terms of Use at upgrade.com/en-ca/flex-pay/terms/

Terms & Conditions

Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 0% to 34.99%. Minimum $150 purchase required. Not everyone is eligible. Applicants are subject to approval by Uplift Canada Services ULC, a subsidiary of Upgrade, Inc.Privacy Policy, Terms of Use.410 Adelaide Street West, Suite 220, Toronto, ON M5V 1S8, Canada.