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

How does Flex Pay Work?

Flex Pay gives you the freedom to purchase what you want now and pay over time with fixed installments.

Flex Pay makes travel more accessible, affordable, and rewarding. With flexible installment payment options, you can pay your trip and pay over time. Simply select Flex Pay at checkout, complete a short application, and receive an instant decision.

How do I apply?

Ask your Vacation Consultant about using Flex Pay to finance your vacation.

How is my loan offer determined?

Flex Pay takes a number of factors into account, including your credit information, trip details, and more.

How do I make payments?

You can make payments by visiting upgrade.com/pay and clicking the Loans tab. On the Loans page, click the Make a Payment button.

Can I travel before paying off my trip?

Yes! You do need to allow a few days between booking and your departure date for your loan to process. Other than that, you are free to travel even before the loan is paid off.

What is your Privacy Policy and Terms of Use?

Here is a link to our Privacy Policy and Terms of Use.

Terms & Conditions

Terms are based on your credit score and other factors and may vary. Not everyone is eligible. Participating locations only. Privacy Policy, Terms of Use.