About
Flex Pay is Upgrade, Inc.'s point-of-sale loan for travel and retail purchases, formerly Uplift, which Upgrade bought in July 2023. Uplift then served 3.3 million customers through over 300 airlines, cruise lines and hotel chains in the US and Canada. At a partner's checkout the shopper applies with a soft credit check and gets a fixed monthly plan at 0% to 36% APR, with no late or prepayment fees. Repayments are reported to Equifax, Experian and TransUnion. Loans come from Celtic Bank in most US states, from Upgrade itself in Colorado, and from Uplift Canada Services ULC in Canada.
Acquired by Upgrade Inc. in 2023; consumer checkout rebranded from Uplift to Flex Pay on 12 December 2024.
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