Why Choose Flex Pay?
Shop Anywhere
Use at thousands of partner stores online and in-store
Flexible Terms
Choose payment plans from 6 to 24 months
Transparent Pricing
Know exactly what you'll pay with no hidden fees
Easy Approval
Get approved quickly and start shopping today
How Flex Pay Works
Choose Flex Pay at Checkout
Select Upgrade Flex Pay as your payment method when shopping at partner stores.
Select Your Payment Plan
Choose a payment plan that fits your budget - from 6 to 24 months.
Complete Your Purchase
Get approved instantly and complete your purchase. The merchant receives payment immediately.
Make Monthly Payments
Pay back your purchase in fixed monthly installments. No surprises, just easy payments.
Flex Pay Benefits
Take control of your budget with transparent pricing and flexible payment options.
- Split purchases into manageable monthly payments
- No hidden fees - know your total cost upfront
- Quick and easy approval process
- Available at thousands of retail partners
- Choose your payment term (6-24 months)
- Track all your payments in one place
- Build credit with on-time payments
- No prepayment penalties
Example Purchase
APR and terms may vary based on creditworthiness. This is an example and not an offer.
Shop at Thousands of Stores
Use Upgrade Flex Pay at your favorite retailers
Electronics & Tech
Best Buy, Apple, Samsung
Home & Furniture
Wayfair, Home Depot, IKEA
Fashion & Apparel
Nordstrom, Macy's, Nike
Health & Beauty
Sephora, Ulta, CVS
Travel & Entertainment
Expedia, Ticketmaster
Automotive
AutoZone, Pep Boys, O'Reilly
And many more partners across all categories