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Norwegian Luna, Cruise Line
Norwegian Luna, Cruise Line

Benefits of Booking with Flex Pay Monthly Financing

Low Monthly Payments

Easy Application

Surprise-Free

Easy AutoPay

Cable car and  Sugar Loaf mountain in Rio de Janeiro

Flexpay Financing FAQs

What is Flex Pay?

Flex Pay gives you the freedom to book travel now and pay over time with simple fixed installments. Some plans include interest while some are interest-free. When you’re ready to checkout, 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?

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 anytime 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 anytime 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/flex-pay/privacy/ and Terms of Use at upgrade.com/flex-pay/terms.

Based on a purchase price of $2,000.00 you could pay a down payment of just $165.57 today, followed by 12 monthly payments of $165.57 at 15% APR. APRs range from 0% to 36%. Down payment may be required. Actual terms are based on your credit score and other factors and may vary. Minimum $300 purchase required. Not everyone is eligible. Loans made through Flex Pay are offered by these lending partners: Upgrade.com/flex-pay/lenders/. Privacy Policy. and Terms of Use. Flex Pay’s Address: 275 Battery St 23rd floor, San Francisco, CA 94111