Experience Buyer's Joy
Feel good about what you buy and how you pay for it. With Flex Pay, you can make thoughtful purchases and pay for them in bite-sized pieces while keeping yourself on budget.
Low Monthly Payments
Budget-friendly loan options
Easy Application
Quick decision
Surprise-Free
No late fees or pre-payment penalties
Easy AutoPay
No payment dates to remember
How Flex Pay Works
1. Select Flex Pay at Checkout
For online reservations, select Flex Pay at checkout. Add your trip to the cart just like you normally would. When you are ready to book, choose Flex Pay as your form of payment. For reservations by phone, ask your Olivia Travel Consultant about paying through Flex Pay.
2. Quick & Easy
Provide a few pieces of information and receive a quick decision.
3. Enjoy Now
Enjoy your trip now and pay for it over time with low monthly installments.
FREQUENTLY ASKED QUESTIONS
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.
Shop for your items and add them to your cart just like your 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.
We look at a number of factors, including your credit information, purchase details, and more.
While some credit cards charge interest on interest, Flex Pay charges only simple interest. If you carry a balance on a credit card, it can be hard to understand what it will cost you. With Flex Pay, the cost is clear at the time of purchase, with simple interest, predictable payments, and no fees.
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.
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.
Call an Olivia Travel Consultant at 800.631.6277 x1 (US/Canada) or 415.962.5700 x1 (International) and they will be able to assist you with instructions on how to see if you qualify to spread your remaining balance over time when financing with Flex Pay.
You can read our Privacy Policy and Terms of Use.
The Flex Pay customer support team is available 24/7/365. Please call Flex Pay at (888) 893-2227, send an email to customercare@upgrade.com, or chat with Flex Pay at upgrade.com/flex-pay/ or in the Borrower’s Portal at upgrade.com/pay
Available to US residents only. Down payment may be required. Actual terms are based on your credit score and other factors and may vary. Not everyone is eligible, and some states are not served, including IA and WV. Loans made through Flex Pay are offered by these lending partners: upgrade.com/flex-pay/lenders/
Privacy Policy and Terms of Use.
Olivia Terms and Conditions also apply. View Olivia Terms and Conditions here.