Stores that accept Flex Pay by Upgrade (formerly Uplift)

Flex Pay by Upgrade, formerly Uplift, lets you split flights, cruises, hotels and some shopping into monthly payments, and you can travel before you finish paying. Here are the US stores and travel brands we have confirmed offer it, what it costs and what to watch out for.

  • 61 stores confirmed
  • List checked Nov 12, 2026
  • US stores only

Flex Pay by Upgrade at a glance

APR
0% to 36%

Some plans are 0%. Others charge simple interest at a fixed rate, based on your credit and the store's offer.

Credit check
Soft check only

Upgrade says Flex Pay uses a soft credit check and never a hard one. It reports to Equifax, Experian and TransUnion.

Late fee
None

Upgrade says Flex Pay charges no late fees, but interest keeps building and payments 30 or more days late are reported.

Lender
Celtic Bank

Most US loans are made by Celtic Bank. Uplift became Flex Pay by Upgrade in December 2024.

Plans

  • Monthly payments Split a trip or purchase into fixed monthly payments at 0% to 36% APR. Some plans are interest-free.
  • Travel now, pay later You don't have to finish paying before you travel. A first payment may be due when you book.

Checked Nov 12, 2026. Sources: Flex Pay by Upgrade; Flex Pay FAQ; Upgrade lenders

Watch out for

  • If a trip is cancelled and you get a credit or voucher instead of a refund, you still owe the loan.
  • There is no late fee, but interest keeps building and payments 30 or more days late are reported to all three credit bureaus.
  • 0% isn't guaranteed. APRs run up to 36% depending on your credit and the store's offer.
  • Extra charges during a hotel stay, such as resort fees or parking, aren't covered by the loan.
  • Not available to residents of Iowa, West Virginia or Washington, D.C.

How it works

  1. Choose Flex Pay (or Pay Monthly) when you book or check out on the store's website.
  2. Check your offer. Upgrade uses a soft credit check that doesn't affect your score.
  3. Pick a plan and make any first payment due at booking.
  4. Pay monthly. You can travel before the loan is paid off.

Stores that take Flex Pay by Upgrade

Each store was checked on its own website. The date shows when we last checked. Stores can stop offering Flex Pay by Upgrade, so confirm at checkout.

All stores 61 stores

Showing 24 of 61

We checked 106 stores, from our earlier list and new research, and kept only the 61 where we could confirm Flex Pay by Upgrade on the store’s own website or at its checkout (we stop before paying and never place orders). We checked online shopping; in-store financing can differ. Know a store we missed? Tell us.

Browse all stores by category

Each category page lists every store we have checked, with all the ways to pay there, not just Flex Pay by Upgrade.

Questions people ask

Is Uplift now Flex Pay?

Yes. Upgrade bought Uplift in 2023 and renamed it Flex Pay by Upgrade in December 2024. Some sites and bank statements still say Uplift.

Does Flex Pay check your credit?

Upgrade says Flex Pay uses a soft credit check only, which doesn't affect your score. Your loan and payments are reported to the three credit bureaus.

Does Flex Pay charge interest or fees?

APRs run from 0% to 36%, depending on your credit and the offer. Upgrade says there are no late fees or prepayment penalties, but interest keeps building if you pay late.

Do I have to pay off my trip before I travel?

No. You can travel before the loan is paid off. A first payment may be due when you book.

CompareOther pay-later appsSee how Flex Pay by Upgrade compares with Affirm, Klarna, Cash App Afterpay, PayPal Pay Later and more.

Meedsy is not a lender and does not make credit decisions. “Visit” links may be affiliate links, and we may earn a commission. That never changes which stores we list or what we say about them. How we make money