Uplift is becoming 
How Flex Pay Works
What is Flex Pay by Upgrade?
Flex Pay, formerly known as Uplift, gives you the freedom to purchase what you want now and pay over time with simple fixed installments. Some plans include interest while some are interest-free.
When you’re ready to check out, just select Flex Pay as your payment method, complete a short application, and receive a quick decision. If approved, choose the terms of your payment plan, finish checking out, and enjoy your purchase. Then, pay over time with simple, no-surprise monthly payments.
Is there a difference between Uplift and Flex Pay?
No, there’s no difference other than the name and the look.
As we roll out our new look, you may still see Uplift when checking out with some partners.
What is Upgrade?
Upgrade is a financial technology company that helps their customers make smart financial decisions by offering access to affordable and responsible credit through cards and personal loans issued by its bank partners. They also offer free credit monitoring and education tools that may help consumers better understand and manage their finances.
How does Flex Pay work?
Flex Pay is just a new name for Uplift and will work exactly the same as it always has.
Flex Pay, just like Uplift, lets you spread the cost of your purchase over low, monthly payments in the form of a short-term, fixed interest loan.
Just shop like you normally would. When you are ready to check out, 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, just select your offer, finish checking out and you’re done.
Can I still use Uplift to pay for my purchases?
Yes! You may still see Uplift for a period of time as a payment option when shopping or booking travel through our partners as we work on our rebrand.
Why am I still seeing Uplift on my bank statements?
You may continue to see Uplift on your bank statements for a period of time while we finalize the brand name change. Don’t worry, this is normal, but if you’d like to talk to our customer support team members about any concerns, please don’t hesitate to reach out to customercare@upgrade.com or call us at (844) 257-5400.
What is Uplift?
Uplift gives you the freedom to purchase what you want now and pay over time with simple fixed installments. Some plans include interest while some are interest-free.
Shop on any of our partner websites and when you’re ready to check out, just select Uplift 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. Then, pay over time with simple, no-surprise monthly payments. Find partners who offer flexible payment options through Uplift.
What is Flex Pay?
Flex Pay, formerly known as Uplift, gives you the freedom to purchase what you want now and pay over time with simple fixed installments offered through its bank partners. Some plans include interest while some are interest-free.
When you’re ready to check out, just select Flex Pay as your payment method, complete a short application, and receive a quick decision. If approved, choose the terms of your payment plan, finish checking out, and enjoy your purchase. Then, pay over time with simple, no-surprise monthly payments.
Who issues Flex Pay and Uplift loans?
Loans are issued by these lending partners.
How do I apply to pay through Flex Pay or Uplift?
Shop for your items and add them to your cart just like you normally would. When you are ready to check out, simply select Flex Pay or Uplift 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.
What are the advantages of using Flex Pay or Uplift vs. a credit card?
While some credit cards charge interest on interest, Flex Pay and Uplift charge only simple interest. If you carry a balance on a credit card, it can be hard to understand what it will cost you. With both Flex Pay and Uplift, the cost is clear at the time of purchase, with simple interest, predictable payments, and no fees.
I purchased a trip or booked a hotel using Flex Pay or Uplift, can I travel before it’s paid off?
Yes! You are free to travel or check in whenever you like – even before you’re all paid off.
Can I finance travel on behalf of someone else?
With some merchants, you can use Flex Pay or Uplift to purchase travel on behalf of someone else. A travel provider who has enabled this feature will be indicated with a dropdown option for “new applicant” during the application process. Third-party loans are not available in Canada.
What happens to my loan if I cancel my travel plans?
You’ll need to initiate any cancellations with the travel provider first. If the travel provider’s cancellation policy allows for a refund, we’ll update your account after the cancellation is fully processed. If you are not eligible for a refund from the travel provider, you are still responsible for the outstanding balance and your monthly payments remain the same until your balance is paid in full.
How long does it take for you to apply a refund to my account?
Once Uplift receives a refund from the merchant, we will apply the full amount to your account balance within 10 days.
If you receive a refund for more than the balance owed on your account, we will credit back all remaining funds to the method of payment used to make the initial payment. In the event that you no longer have that method of payment (e.g., you used a card that is no longer valid), we will work with you to issue an electronic refund through Zelle.
How do I receive a refund?
You’ll need to initiate any cancellation or returns with the merchant first. If you are eligible for a refund from the merchant based on their refund policy, we will apply the refunded amount to your account balance and credit back all remaining funds to your method of payment used to make the initial payment. In the event that you no longer have that method of payment (e.g., you used a card that is no longer valid), we will work with you to issue an electronic refund through Zelle.
If you receive a refund for less than the balance owed, you are still responsible for the outstanding balance and your monthly payments remain the same until your balance is paid in full.
Can I apply before knowing what I want to purchase?
Our application process occurs at the time of checkout, directly through our partners’ websites. Loan proceeds are paid directly to the merchant for the purchase of goods and services.
To see if you may qualify for a loan using Flex Pay or Uplift, simply shop for your items and add them to your cart just like you normally would. When you are ready to check out, select Flex Pay or Uplift as your payment method.
Does checking my rate impact my credit score?
US Residents: When you check your eligibility, a “soft” credit inquiry occurs to verify your identity and determine your eligibility for financing. A soft credit inquiry doesn’t affect your credit score. Flex Pay / Uplift does not perform a hard credit inquiry.
Canadian Residents: When you check your eligibility a “soft” credit inquiry occurs to verify your identity and determine your eligibility. A soft credit inquiry doesn’t affect your credit score. However, when you submit an application, a hard credit inquiry will be placed, which may impact your credit score.
Why do I need to provide the last four digits of my social security number when applying?
The last four digits of your Social Security Number are used to verify your identity and determine your eligibility. Prior to submitting your application, your full social security number will be required to take a loan, as required by federal banking law.
I received an error at checkout, what should I do?
If you receive an error message or can’t complete your purchase because of technical issues, you are welcome to submit a new application.
Available inventory and prices on merchant sites can change frequently and could be the reason you are unable to complete your purchase. You may reach us by emailing customercare@upgrade.com or by calling (844) 257-5400 Monday – Friday 5AM – 7PM PT (Pacific Time), Saturday & Sunday 6AM – 5PM PT (Pacific Time).
You can also send us an email at customercare@upgrade.com.
Can I apply for Flex Pay or Uplift over the phone?
No. Applications to use both Flex Pay and Uplift to pay over time for merchandise or bookings are made on our merchant partner’s websites after selecting either Flex Pay or Uplift at checkout.
How do I contact Customer Support?
Our Customer Support team is available at (844) 257-5400:
Monday – Friday 5AM – 7PM PT (Pacific Time)
Saturday & Sunday 6AM – 5PM PT (Pacific Time)
You can also send us an email at customercare@upgrade.com.
Does Flex Pay / Uplift have a mobile app?
Yes! The Uplift app allows you to make purchases with our partners directly through the app. Uplift is available for both iOS and Android.
You can also manage your Flex Pay and Uplift loans through the app by going to My Uplift.
How are my loan term offers determined?
We look at a number of factors, including your credit information, purchase details, and more.
Can I purchase upgrades and add-ons with Flex Pay and Uplift?
Yes! You can use both Flex Pay and Uplift for upgrades, insurance, extended warranties, shipping, and more – it all depends on what the merchant offers at purchase. At checkout, the monthly payment amount you see reflects all eligible purchases you have in your cart.
Can I receive my items before paying off my purchase?
Yes! As soon as the merchant has processed your purchase, it will be delivered to you, even before you finish making your loan payments.
What kind of products and services can I purchase using Flex Pay / Uplift?
Both Flex Pay and Uplift can be used to purchase a wide range of products and services from our travel partners and retailers. Click here to see a full list of our current partners. Please note that depending on the partner, they may use Flex Pay or Uplift. These services are identical and can be managed through the same account.
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Why choose Flex Pay or Uplift?
Both Flex Pay and Uplift give you the freedom to purchase what you want now and pay with fixed monthly payments. Buy now, pay later is often a better alternative to credit cards because we charge only simple interest while some credit cards charge interest on interest. Buy now, pay later also makes budgeting easy so you can manage your expenses over time rather than paying one large sum all at once.
Do Flex Pay or Uplift charge any fees?
Both Flex Pay and Uplift are completely free of any fees. That includes late fees and prepayment penalties.
Can I have more than one loan at a time?
Yes – you can have more than one active loan with both Flex Pay and/or Uplift at a time. Just know that each time you apply, we look at a number of factors including your credit information, purchase details, current loan activity, and more. Approval in the past does not guarantee future approvals.
Do you offer pre-approval?
No, we do not offer pre-approval. Approval occurs at the time of checkout, directly through our partners’ websites. To see if you may qualify for a loan, simply shop for your items and add them to your cart just like you normally would. When you are ready to check out, select Flex Pay or Uplift 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.
What does pre-qualification mean? What is pre-qualification?
Pre-qualification is different from pre-approval. Pre-qualification refers to an estimate of how much you may be able to spend based on the information you provide Uplift. Pre-qualifications are conditional and do not guarantee you will actually be approved for the amount you pre-qualify for.
How is my interest / APR determined?
APRs may range from 0% to 36% and are based on a number of factors including your consumer credit information, purchase details, current loan activity, and more.
Where are Flex Pay and Uplift available?
Flex Pay and Uplift are currently available throughout the United States and Canada.
Note: If you are using the Uplift mobile app, it is currently only available in the United States except for IA, WV, CO and the US Territories.
When booking a hotel, what’s included in my Uplift offer?
When paying for a hotel booking with Flex Pay or Uplift, your loan will cover your room rate, taxes, fees and add ons listed on the booking confirmation page.
When booking a hotel, does my offer cover additional hotel charges?
While Uplift never charges any fees, your hotel may charge additional fees during your stay for amenities such as resort fees, parking, and WiFi. For more information, please review the hotel’s website or contact the hotel directly.
Payments & Refunds
Now that you’re Flex Pay by Upgrade, will my loans through Uplift be affected?
Your current loans won’t be affected by our Flex Pay rebrand. Any active loans you have through Uplift will stay the same with the same payment dates, payment amounts, and interest rate. Nothing will change but our name.
We suggest enabling AutoPay and linking a bank account so you never miss a payment.
I’m expecting a refund, when will the refund be applied to my account?
Once we receive a refund from the merchant, we will credit it to your account within 10 days.
If you receive a refund for more than the balance owed, we will credit back all remaining funds to the method of payment used to make the initial payment. In the event that you no longer have that method of payment (e.g., you used a card that is no longer valid), we will work with you to issue an electronic refund through Zelle.
You can check your refund status by logging into the Member Portal. If there is a pending refund, you will see a notification on the account page. A posted/confirmed refund will be available in your transaction history under your loan.
Please note, loan payments due during the refund processing time are still required and interest will still accrue.
How can I update the form of payment that I have on file?
Sign in to your account and click on the Account tab. Under Manage Payment Methods, you can edit an existing payment method or add a new one.
We recommend that you connect your bank account – it’s a more reliable method than debit card payments.
How do I make installment payments?
You can make a payment anytime by visiting the Member Portal 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 the Member Portal, click on the Accounts page, and set the AutoPay toggle to ON.
You can also change the form of payment on file any time by visiting the Member Portal.
To make a payment through the Uplift app, go to My Uplift, select the loan, then tap Make Payment.
How do I enable automatic monthly installment payments?
Sign in to your account at pay.uplift.com, click on the Account page and set the AutoPay toggle to ON.
To enable AutoPay in the app, go to My Uplift and select the loan, then set the AutoPay toggle to ON.
How do I turn off automatic monthly installment payments?
To turn OFF AutoPay, please call Uplift Customer Support. You may reach us by emailing customercare@upgrade.com or by calling (844) 257-5400 Monday – Friday 5AM – 7PM PT (Pacific Time), Saturday & Sunday 6AM – 5PM PT (Pacific Time).
You can also send us an email at customercare@upgrade.com.
What do I do if I’m using a debt settlement company?
If you’re having trouble making your payments, please reach out to us before considering enrollment with a debt settlement company. We can answer your questions and discuss your options at no additional cost to you. You may reach us by emailing customercare@upgrade.com or by calling (844) 257-5400 Monday – Friday 5AM – 7PM PT (Pacific Time), Saturday & Sunday 6AM – 5PM PT (Pacific Time).
Debt settlement companies may encourage you to stop making your payments, which means your loan will accrue additional interest. For US residents, we’re required by law to report all account experiences—positive and negative—to one or more of the credit bureaus. What’s reported to credit bureaus doesn’t change if you’re working with a debt settlement company, and we still must follow our policy on good faith updates. We will still follow our charge-off policy if your loan becomes 120+ days past due.
Please note that credit reporting does not apply to Canadian residents.
If you’re already enrolled or plan to work with a debt settlement company, please email us your authorization to release information at customercare@upgrade.com.
What happens if I can’t make a payment?
We understand that unexpected life events happen. If you can’t make a payment, we encourage you to call our Customer Support Team. You may reach us by emailing customercare@upgrade.com or by calling (844) 257-5400 between 5:00 AM to 7:00 PM (PST) seven days a week.
If your payment becomes more than 30 days past due, you may be subject to the following:
– If you’re a US resident, your delinquent payments will be reported as late to the credit bureaus. Please note that credit reporting does not apply to Canadian residents.
– You will owe additional interest and it will continue to accrue.
– No further financing through Flex Pay, nor Uplift will be available to you until your payments become current.
Why should I add my bank account?
Adding your bank account is the preferred method of payment because it’s:
-More reliable! Electronic payments are a more reliable method than card payments.
-Faster! Flex Pay and Uplift partner with Plaid so you can sign into your bank account for instant verification.
-Easier! Don’t worry about expiration dates or daily limits.
How do I switch default payment methods?
Sign in to your account at pay.uplift.com, and navigate to the Account tab. Click the Make Default button next to a payment method to make it the default method.
If you’re using the Uplift app, go to My Uplift and tap Payment Methods to make changes.
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What are my payment method options?
Customers from the United States can pay by either bank account, debit card, or check.
If paying by check, please make your check payable to Upgrade, Inc., and send it to our U.S. office address:
Flex Pay
℅ Upgrade, Inc.
2 N Central Ave., 10th Floor
Phoenix, Arizona 85004
Customers from Canada can pay by direct debit from their bank account, Visa/MasterCard virtual debit, or cheque.
If paying by cheque, please make your cheque payable to Upgrade, Inc., and send to our Canada office address:
Flex Pay
℅ Upgrade, Inc.
1080 Beaver Hall Hl Suite 200
Montreal, Quebec H2Z 1S8, Canada
In both cases, we recommend linking your bank account via Plaid to make effortless, electronic payments. Plaid ensures your information is always secure and up-to-date and you never have to worry about lost or stolen cards.
Can I mail in a payment?
Yes! Make your check payable to Upgrade, Inc. and send it to our U.S. corporate address:
Payable to:
Flex Pay
℅ Upgrade, Inc.
2 N Central Ave., 10th Floor
Phoenix, Arizona 85004
Can I make additional payments?
Yes, you can make additional payments to pay down your balance or pay off your purchase in full. You can pay off your loan at any time without paying a penalty or fee.
Making additional payments won’t change your monthly payment amount, but it will pay off your loan sooner and decrease the total amount of interest you pay over the life of your loan.
Is there a penalty for paying off my loan early?
No, there are no pre-payment penalties
My payment isn’t going through, what should I do?
First, check to see if the payment method on file is up to date by visiting the Member Portal. Is the correct billing address added? Is the expiration date correct? Is the account number entered correctly? Be sure to ensure all information is up to date.
If your payment method is current and your information is up to date, please contact your financial institution to confirm that payments are not being blocked. You may also contact us at customercare@upgrade.com.
When are my payments due?
Payments are due monthly. Your due date is available in your account at pay.uplift.com. We’ll also send you emails and text messages to remind you.
When is my first payment due when booking a hotel?
Your first payment will depend on your hotel’s policy. You’ll receive an email and an SMS once
your payment schedule is ready. This could be at time of booking or closer to your check-in date.
The date of your first monthly payment is detailed on your payment schedule. If you choose a
loan with a downpayment, Uplift will also collect your down payment when your hotel requests payment from us.
You can also turn on AutoPay at pay.uplift.com so you never miss a payment.
Can I change when I make my payments?
You can’t change when your loan payments are due, but you can delay a payment up to 15 days after your original payment date by signing in to pay.uplift.com. This request will not affect future payment due dates. You will be responsible for any additional interest that accrues.
You can also use the app to delay payments by going to My Uplift, selecting your loan, then tapping Delay Payment. You will be responsible for any additional interest that accrues.
Will I receive payment reminders from Flex Pay / Uplift?
Yes. We send reminders via both email and text before your monthly payment is due.
If you’re using the app, be sure to enable notifications for an extra reminder. You can do this in your settings.
You can also turn on AutoPay so you never have to worry about missing a payment.
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I received notification that my payment failed. What do I need to do in order for my payment to be processed?
A payment may fail for a variety of reasons. If your payment was not processed, sign in to your account at pay.uplift.com and click on the Account tab at the top of the page. There, you can verify that the payment method on file is correct and up-to-date, or add a new payment method.
What if I don’t pay?
A loan is just like financing a car or a house. There can be severe consequences for not staying current or fulfilling the terms of the loan.
Flex Pay and Uplift reserve the right to report payment delinquencies of 30 days or longer to one or more consumer reporting agencies in accordance with applicable law.
We understand that there can be unexpected life events so we encourage you to call our Customer Support Team and speak with us about your situation. We will do everything we can to help you.
You may reach us by emailing customercare@upgrade.com or by calling (844) 257-5400 Monday – Friday 5AM – 7PM PT (Pacific Time), Saturday & Sunday 6AM – 5PM PT (Pacific Time).
How do I report fraudulent activity on my account?
Please contact fraud@upgrade.com immediately.
You are protected from purchases made without your authorization. We understand how concerning this
can be and we are committed to helping you resolve the situation.
To report fraudulent activity, please submit the following documentation:
• FTC Identity Theft Affidavit – this form must be printed and notarized.
• File a police report with your local jurisdiction.
Please send copies of both documents to Uplift via email at fraud@upgrade.com or by mail to:
Flex Pay
℅ Upgrade, Inc.
2 N Central Ave., 10th Floor
Phoenix, Arizona 85004
To report identity theft, please click here. (https://forms.uplift.com/identityTheft).
To report card theft, please click here. (https://forms.uplift.com/cardTheft).
For information about how to protect yourself against identity theft and how to respond if it happens, visit the government website on identity theft.
Online Account Access
I already have an Upgrade account. Will anything change?
For now, nothing will change. Eventually you will be able to access both your Upgrade dashboard and your Uplift and/or Flex Pay loans all in one place.
What will happen to my Uplift account when Uplift becomes Flex Pay?
When we’ve completed our rebrand, your account will be moved to Upgrade.com. From there, you’ll make payments as usual. In fact, if you have AutoPay on, you’ll just need to sign in and confirm your identity once we’re ready to make the switch. Don’t worry, we’ll send an email with instructions when this happens.
Otherwise, your loan terms including payment amounts, payment dates, and interest rates, will all stay the same.
How do I access my account?
Visit the Member Portal and use the mobile number associated with your account to sign in. We’ll text you with a passcode.
You can also use Uplift on the go by downloading the mobile app. Once you’ve installed the app, link your account and you’ll be able to manage your Flex Pay / Uplift account anywhere.
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How can I see my loan details and payment history?
To see your loan details and payment history, sign in to your account and click on the Loans tab.
You can also use Uplift on the go by downloading the mobile app. Once you’ve installed the app and linked your account, go to My Uplift and select a loan to view details and payment history.
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How do I change the email, phone number, or address on my account?
To update your contact information, call our Customer Support Team. You may reach us by emailing customercare@upgrade.com or by calling (844) 257-5400 Monday – Friday 5AM – 7PM PT (Pacific Time), Saturday & Sunday 6AM – 5PM PT (Pacific Time).
I am not receiving any emails from Flex Pay or Uplift.
If you aren’t getting any emails from either Flex Pay or Uplift, please check your ‘Spam’ or ‘Junk’ folder. If you still don’t see emails from us, you may reach us by emailing customercare@upgrade.com or by calling (844) 257-5400 Monday – Friday 5AM – 7PM PT (Pacific Time), Saturday & Sunday 6AM – 5PM PT (Pacific Time).
How can I update my form of payment on file?
Sign in to your account at pay.uplift.com and click on the Account tab. Under Manage Payment Methods, you can edit an existing payment method or add a new one.
We recommend that you connect your bank account- it’s a more reliable method than debit card payments.
How can I verify my identity?
If you need to verify your identity, please click here. (https://forms.uplift.com/identityVerification)
How can I submit an SCRA request?
To submit an SCRA request, please click here (https://forms.uplift.com/scra).
How do I report my Bankruptcy filing ?
To report bankruptcy, please click here. (https://forms.uplift.com/bankruptcy)
How do I report the death of a borrower ?
To report the death of a borrower, please click here. please click here (https://forms.uplift.com/deceased)
How Installments Work
What type of installment loans are offered through Flex Pay and Uplift?
Flex Pay and Uplift offer no-interest and simple interest loans, which means that interest is paid only on the principal of the loan, and not on any interest from previous periods of the loan.
Are installment loans through Flex Pay and Uplift fixed rate or variable rate?
All loans through Flex Pay and Uplift are fixed-rate.
Can I use a co-borrower?
No. You cannot use a co-borrower.
How do I apply?
Shop for your items and add them to your cart just like you normally would. When you are ready to check out, simply select Flex Pay or Uplift 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.
After completing my application and approving my installment loan, I noticed you charged me twice. Why am I seeing two payments?
Some banks show multiple items on your account for your first payment. The first charge you see on your account is a pre-authorization and should go away automatically without resulting in a charge. The second is the actual charge to your account.
If the items on your account persist for many days, please contact our Customer Support Team. You may reach us by emailing customercare@upgrade.com or by calling (844) 257-5400 between 5:00 AM to 7:00 PM (PST) seven days a week.
What is a finance charge?
A finance charge is any fee paid to the lender for the cost of borrowing. This charge can include a one-time fee, such as an origination fee, or interest accrued on the loan amount. Flex Pay and Uplift do not charge fees, only interest.
Can I negotiate the rate of my loan terms?
Loan terms are non-negotiable.
Can Flex Pay or Uplift make an exception if I am not approved for an installment loan?
Unfortunately, we can’t make exceptions. Loan offers are based on your credit information, purchase details, and other factors.
Can I make changes to a purchase I made through Flex Pay or Uplift?
If you need to make changes to your purchase, please contact the merchant directly. The changes may affect your loan balance.
Is this an installment loan?
Yes, all loans through Flex Pay and Uplift are installment loans, which means you repay the loan over time with a set number of scheduled payments. Some plans include interest while some are interest-free. Your payments are the same amount over the life of the loan and you can pay off your loan at any time without paying a penalty or fee.
How do I accept my installment plan?
After you fill out a short application on the merchant’s website, you will see your offer displayed with terms and monthly payment amount if approved.
Click the “Confirm and complete purchase” button and then finish your checkout process on the merchant’s website.
Is it possible to refinance my installment plan?
No. We do not offer refinancing options.
I’m using Flex Pay or Uplift to purchase a trip, do I need to be a traveler on the itinerary to apply?
No. The person applying for the loan may differ from the person traveling on the itinerary. When completing the application, include the information of the person to whom the loan will be issued.
Can I use Flex Pay or Uplift for a purchase I already made?
In most cases, Flex Pay and Uplift cannot be used for a purchase that has already been finalized. You’ll need to make a new purchase on one of our merchant partners’ websites.
However, in certain cases where purchases are made in advance and then paid for incrementally, for example a down payment then a final payment, you may be able to finance the remaining balance through Flex Pay or Uplift. This will not cover any payments that have already been made. Availability depends on the partner’s policy, so please refer to the partner’s terms and conditions if you plan to use Flex Pay or Uplift to finance part of a completed purchase.
Why wasn’t my application approved?
If your application is denied, we’ll send you an email with the specific reason(s) why. That information will also be available in your account at pay.uplift.com.
My purchase was canceled, now what?
If you are expecting a refund for your purchase, please forward your refund confirmation to us at customercare@upgrade.com. If you are expecting a credit or voucher, you can use those credits towards a future purchase. Simply continue making your monthly payments and use your credit voucher to make your next purchase when you are ready, based on your merchant provider’s guidelines.
How do I cancel/return my purchase?
Contact the merchant directly to return your purchase. If your return is accepted, the merchant will send us the refund and we will apply the amount of your refund to the balance of your loan. If you receive a credit rather than a refund or are charged a cancellation fee, you will still be responsible for the outstanding balance. If the refunded amount is more than your outstanding balance, we refund that money to you.
I received a partial refund from the merchant, will this adjust my monthly payments?
No, your monthly payment amount will not change. However, if Flex Pay or Uplift receive a refund, we will apply the refund amount towards your principal balance, which will reduce the number of payments you will have to make.
What is your Privacy Policy and Terms of Use?
You can read our Privacy Policy at uplift.com/privacy and Terms of Use at uplift.com/terms
Mobile App
How does the app work?
Our app gives you the freedom to book now through our travel partners and pay over time with simple, fixed installments using Uplift and / or Flex Pay. Just download the app and follow the instructions to link your existing Uplift or Flex Pay account. The app is only available to users who have an active loan or previously active loans through us.
Already an Uplift or Flex Pay customer? Great! Download and easily start managing all your thoughtful purchases and account information directly with the app today.
Not a customer yet? No problem! Simply download and explore plenty of travel inspiration for your next adventure with tons of the world’s favorite travel brands. When you’re ready to book with one of our travel partners, just tap Pay with Uplift or Pay with Flex Pay at checkout. We’ll help you split the total amount into bite-sized monthly payments. You can choose the plan that works best for your budget.
Can I manage my Flex Pay loans through the app?
Yes! Just go to My Uplift and find the loan you’d like to manage. You can make a payment, add or change your payment method, or turn on AutoPay.
Where is the Uplift mobile app available?
The Uplift mobile app is currently only available in the United States except for IA, WV, CO, and the US Territories.
How do I apply to pay through Uplift or Flex Pay?
Explore plenty of travel inspiration for your next adventure with tons of the worlds favorite travel brands. When you’re ready to book with one of our travel partners, tap Pay with Uplift or Pay with Flex Pay at checkout. We’ll help you split the total amount into bite-sized monthly payments. You can choose the plan that works best for your budget.
How do I link my Uplift / Flex Pay account?
First, download and launch the app. You’ll be prompted to enter a few pieces of information so we can verify your identity and link your Uplift or Flex Pay account to your app.
Can I link my Flex Pay account?
Yes! You can log into the app using your Flex Pay credentials even if you’ve never used Uplift. Note that you may see either Pay with Uplift or Pay with Flex Pay at checkout. Rest assured that both services are identical and you may use either Uplift or Flex Pay to complete your purchase.
I don’t have an Uplift or Flex Pay account. Can I create one through the app?
The Uplift app is currently available for existing Uplift and Flex Pay users. You’ll need to make a purchase using Uplift or Flex Pay with one of our partners, then you’ll be able to link that account to the app.
How much can I spend with Uplift or Flex Pay?
If you are eligible for an offer, you’ll be able to choose an offer based on the details of your purchase and your credit profile. Loans made through Uplift are offered by these lending partners.
Can I use Flex Pay in the app?
Yes!
Where can I shop with the Uplift App?
Our network includes top airlines, cruise lines, hotels, and more. You can see all of our partners on our website or by browsing the app.
Where can I review my payment and balance?
Visit the My Uplift section of the app for up-to-date information on payment due dates, payment history, and more.
How do I make a payment?
You can make a payment any time by visiting the “My Uplift” section in the Uplift App and navigating to your “Payments”. We recommend that you enable AutoPay within your account at time of purchase so that your payments are automatically deducted each month.
Why do you need the last 4 digits of my social security number?
The last four digits of your Social Security Number are used to verify your identity and determine your eligibility. Prior to submitting your application, your full social security number will be required to take a loan, as required by federal banking law.
How do I cancel my order?
Contact the merchant directly to cancel your purchase. Once you confirm your cancellation, please email us at purchases@uplift.com to let us know your order was canceled. We will delay your payment if a refund is pending or cancel your payment if the partner has not yet charged us.
I received a refund from the merchant, will this adjust my monthly payments?
No, your monthly payment amount will not change. However, if Uplift receives a refund, we will apply the refund amount towards your principal balance, which will reduce the number of payments you will have to make.
Credit Reporting
What is a credit bureau?
Credit bureaus, also known as credit reporting agencies, are companies that compile and sell credit reports. They collect credit account information about your borrowing and repayment history from a variety of sources, including lenders, public records, and collections agencies. They use that information to create a credit report, which is a statement that has information about your credit activity. (Consumer Financial Protection Bureau)
Lenders often use credit reports to determine whether they will loan you money and the interest rate they will offer you. Other businesses might use your credit reports to determine whether to offer you insurance, rent a house or apartment to you, or provide you with internet, utility or cell phone service.
Do Flex Pay and Uplift report to credit bureaus?
Yes. Uplift currently reports to Equifax, Experian, and TransUnion. Uplift only shares pertinent payment history information with these credit bureaus.
You can request a copy of your credit report to verify its accuracy or if you have questions or concerns about decisions regarding your credit.
Can I opt out of credit reporting?
You cannot opt out of credit reporting for either Flex Pay or Uplift. However, you can request a copy of your credit report to verify its accuracy or if you have questions or concerns about decisions regarding your credit.
Does credit reporting impact my credit score?
Yes, credit reporting can impact your credit score.
If you’re concerned about your credit score, we suggest turning on AutoPay so you never miss a payment. To turn on AutoPay, visit pay.uplift.com, click on the Loans tab and turn on AutoPay. We also recommend setting up electronic payments directly through your bank account. There are no expiration dates or billing addresses to update and nothing to change if your card is lost or stolen.
Who can see my credit report?
You can always see your own credit report. Businesses and lenders can only access your credit report in certain cases, regulated by law.
You can use the links below to review the laws that apply to your country of residence.