Select at checkout
Add your purchases to your cart. When you are ready to check out, choose Flex Pay as your payment method.
Financing
Your project.
Your payment plan.
Explore paying over time with Flex Pay. Available plans and terms are shown during checkout, subject to approval.
How Flex Pay works.
Review your options
Complete the application and review the terms available to you before making your decision.
Pay over time
If approved, finish checking out and pay for your purchase in monthly installments.
Good to know
Financing 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, 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 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.
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: https://www.upgrade.com/flex-pay/privacy/
You can read the Terms of Use here: https://www.upgrade.com/flex-pay/terms/
Financing terms
Flex Pay by Upgrade
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