Flex Pay Payment Plans
Book Now. Pay Over Time.
With Flex Pay, enjoy the freedom to make thoughtful purchases and spread out payments in easy, manageable amounts—helping you stay on track while treating yourself to the vacation you deserve.
Low Monthly Payments Easy Application Surprise Free Easy Autopay
Quick Decision - You'll find out if you're approved in minutes.
No Late Fees, No Surprises - With FlexPay, there are no late fees or pre-payment penalties—just smooth sailing all the way.
Effortless AutoPay - Set it and forget it! With easy AutoPay, there's no need to worry about missing a payment.
Budget-Friendly Payments - You set your timeframe and control how much you pay each month.
How It 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
- What is Flex Pay?
FlexPay gives you the freedom to book your dream vacation now and pay over time with simple, fixed installments. Some plans are interest-free, while others may include interest. When you're ready to check out, just select “FlexPay” as your payment option, complete a quick application, and get an instant decision. Choose the plan that works best for you, finish booking, and get ready to enjoy your next adventure!
- How do I apply?
Shop as you normally would, adding your dream vacation to your cart. When you're ready to check out, simply choose FlexPay as your payment method. To apply, just provide a few basics like: your mobile number, date of birth, and, if you're a US resident, and your Social Security Number. Once approved, complete your booking—and you're all set!
- How are my loan term offers determined?
We consider a few key factors, including your credit info and purchase details, to help create the best payment plan for you.
- What are the advantages of using Flex Pay vs. a credit card?
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 in total. Often it is more than you'd expect. With Flex Pay, the cost is clear at the time of purchase, with simple interest, predictable payments, and no fees.
- How do I make payments?
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.
- I purchased a trip using Flex Pay, can I travel before it's paid off?
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.
- How do I spread my remaining trip balance over time with Flex Pay financing?
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.
- What is your Privacy Policy and Terms of Use?
You can read our Privacy Policy and Terms of Use.
- I am a booked guest with an Flex Pay loan. How do I contact customer support?
The Flex Pay customer support team is available 24/7/365. Please call Flex Pay at (888) 893-2227, send an email to [email protected], 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.