Frequently Asked Questions

FlexPay, formerly known as Uplift, is a Buy Now, Pay Later (BNPL) financing service specifically designed for travel purchases. It allows you to book flights, hotels, cruises, vacation packages, and other travel experiences today while spreading the cost over manageable monthly payments ranging from 3 to 24 months.

Applying is simple and takes just 2-3 minutes:

• Step 1: Shop for travel on a partner website that offers FlexPay
• Step 2: Select FlexPay as your payment method at checkout
• Step 3: Complete the quick application form with basic information
• Step 4: Receive instant approval decision (usually within seconds)
• Step 5: Review and accept your personalized payment plan
• Step 6: Complete your booking and start traveling!

To qualify for FlexPay, you must meet these basic requirements:

• Be at least 18 years old
• Be a U.S. citizen or permanent resident
• Have a valid Social Security Number
• Have an active U.S. checking account
• Have a steady source of income
• Have a valid email address and phone number

Most applications receive an instant decision within 10-30 seconds. In some cases, additional verification may be required, which can take up to 24 hours. You'll be notified via email if further review is needed.

Have these items ready before you start:

• Full legal name and date of birth
• Current residential address
• Social Security Number
• Valid email address and phone number
• Employment information (employer name, income)
• Bank account details (routing and account numbers)

FlexPay offers APRs ranging from 0% to 36% based on your creditworthiness. Qualified customers with excellent credit may receive promotional 0% APR offers. Your specific rate will be disclosed before you accept the loan.

FlexPay prides itself on transparency with NO hidden fees:

• ✅ No application fees
• ✅ No late fees
• ✅ No prepayment penalties
• ✅ No annual fees
• ✅ No origination fees

FlexPay offers flexible payment terms from 3 to 24 months, depending on your purchase amount and creditworthiness. Monthly payments are typically a minimum of $25. You choose the term that works best for your budget when you apply.

Your first payment is typically due 30 days after booking. The exact due date will be specified in your loan agreement and confirmation email. We recommend setting up automatic payments to ensure you never miss a due date.

Yes, absolutely! You can pay off your FlexPay loan early at any time with no prepayment penalties. This can help you save on interest charges. Simply log into your account and make an additional payment toward your principal balance.

Loan amounts vary based on your creditworthiness and the travel purchase. FlexPay can typically finance purchases from a few hundred dollars up to $25,000 or more for qualified applicants. Your approved amount will be disclosed during the application process.

While FlexPay charges no late fees, missing payments can:

• Negatively impact your credit score
• Result in collection efforts
• Affect your ability to use FlexPay in the future
• Lead to loan default if payments are significantly overdue

The initial application uses a soft credit check which does NOT impact your credit score. You can check your eligibility and rates without any effect on your credit.

FlexPay doesn't disclose a specific minimum credit score requirement. However:

• Fair credit (580-669): May qualify with higher APR
• Good credit (670-739): Better approval odds, moderate APR
• Very Good/Excellent (740+): Best rates, may qualify for 0% APR

If you're not approved, you'll receive an explanation via email. Common reasons include:

• Insufficient credit history
• High debt-to-income ratio
• Recent negative marks on credit report
• Insufficient income

Yes! You can have multiple active FlexPay loans for different trips. However, your total credit limit depends on your creditworthiness, income, and existing debt obligations. Each new application will be evaluated individually.

Yes, potentially! FlexPay reports payment activity to major credit bureaus. Making consistent, on-time payments can positively impact your credit score over time. However, late or missed payments will negatively affect your credit.

FlexPay can be used for a wide range of travel purchases through 300+ partner brands:

• ✈️ Flights: Domestic and international airfare
• 🏨 Hotels: Accommodations worldwide
• 🚢 Cruises: Ocean and river cruises
• 🏖️ Vacation Packages: All-inclusive resorts and packages
• 🎢 Attractions: Theme park tickets and tours
• 🚗 Transportation: Car rentals and ground transport

FlexPay partners with 300+ major travel brands including airlines, hotel chains, cruise lines, and online travel agencies. Look for the FlexPay or Uplift logo at checkout. Popular categories include major airlines, international hotel chains, leading cruise companies, and online travel booking sites.

Important: Your FlexPay loan obligation continues even if you cancel your trip. The loan is between you and FlexPay, separate from your travel booking.

Travel changes depend on the travel provider's policies, not FlexPay. Contact your airline, hotel, or travel company directly to modify your reservation. Your FlexPay loan terms remain the same regardless of travel changes. Any fees from the travel provider are your responsibility.

Some FlexPay partners may offer optional travel insurance during checkout. This is typically provided by third-party insurance companies. While not required, travel insurance can protect your investment in case of:

• Trip cancellation or interruption
• Medical emergencies while traveling
• Lost or delayed baggage
• Travel delays

Manage your account through:

• Online Dashboard: Log in at upliftapply.com to view balance, payment history, and upcoming payments
• Mobile App: Download the FlexPay mobile app for iOS or Android
• Customer Service: Contact support via phone or email

Automatic payments (AutoPay) are typically set up during the application process. To manage AutoPay:

• Log into your FlexPay account
• Navigate to payment settings
• Enable/disable automatic payments
• Update your bank account information if needed

Yes! FlexPay uses industry-standard security measures:

• 🔒 Bank-level 256-bit SSL encryption
• 🔐 Secure data storage and transmission
• ✅ PCI DSS compliant payment processing
• 🛡️ Regular security audits and monitoring
• 👁️ Privacy protection policies

Your personal and financial information is protected with the same security standards used by major financial institutions.

To update your bank account information:

• Log into your FlexPay account
• Go to Account Settings or Payment Methods
• Add new bank account details
• Verify the new account (may require micro-deposits)
• Set as primary payment method

Yes! FlexPay was formerly known as Uplift. The company rebranded but continues to offer the same travel financing services. You may see either name used by different partners, but they refer to the same company and service.

FlexPay makes money through:

• Interest charges: APR on loans (0-36% depending on creditworthiness)
• Merchant fees: Travel partners pay fees to offer FlexPay

There are no fees charged directly to you beyond the interest rate disclosed at application.

Yes! FlexPay can be used to finance international flights, hotels, and vacation packages. However, you must be a U.S. resident to apply, and payments must be made from a U.S. bank account. The travel destination can be anywhere in the world.

Important: FlexPay is the lender, not the travel provider. Any issues with your travel booking, service quality, or provider disputes must be resolved directly with the travel company. Your loan payment obligations to FlexPay continue regardless of travel provider disputes.

Refunds depend on the travel provider's cancellation policy. If you receive a refund from your travel provider:

• Contact FlexPay customer service immediately
• The refund can be applied to your outstanding loan balance
• If the refund exceeds your balance, you'll receive the difference
• Continue making payments until the refund is processed

For official FlexPay customer support:

• 📞 Phone: Available through upliftapply.com
• ✉️ Email: Support contact through their website
• 💬 Online Chat: Available on upliftapply.com
• 📱 Mobile App: In-app support