Bottom line: Uplift can be a good choice if you're looking to beat the high rates offered by travel credit cards. But its limited selection of partners — and potentially high APR for borrowers with fair credit — mean you'll be limited in how you use your funds. Read our full review or get our 30-second take.
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Flex Pay (Formerly Uplift) BNPL Review
By Kat Aoki
- Max. Loan Amount
- $25,000
- APR
- 0% to 36%
- Min. credit score
- No minimum stated
Our verdict
A convenient way to pay for travel and goods, but rates can get high.
Flex Pay (formerly Uplift) is a buy now, pay later (BNPL) service that lets you book travel plans or make retail purchases and then pay over time in convenient monthly installments. Partners include United Airlines, Carnival, Southwest, Expedia, Budget and more. But it’s only available through partner websites, and rates can reach as high as 36%. Plus, you’ll miss out on any rewards points or cash back you might get from using a credit card.
Best for: People without credit cards who want to pay for travel expenses over time.
Pros
-
Wide range of travel and hospitality partners
-
Simple application and fast approval
-
No late fees or prepayment penalties
Cons
-
Must book through partner websites
-
Interest rates up to 36%
-
Can’t earn travel rewards or points
Is Flex Pay legit?
Yes. Flex Play is a legitimate BNPL service owned and operated by Upgrade, a fintech company that offers a variety of banking and lending products. While it used to be called Uplift and was primarily used for travel products, it recently rebranded as Flex Pay and has added many new travel and retail brands.
What makes Flex Pay shine?
- Wide range of partners. Flex Pay claims to have more than 750 travel and retail partners, including airlines, hotels and resorts, travel agencies, rental cars and cruise lines.
- Easy process. All you have to do is select Flex Pay at checkout, fill out a quick application and receive a decision in seconds.
- No fees. Flex Pay doesn’t collect late fees or prepayment penalties, so there are no hidden fees. It only charges simple interest, and monthly payments are fixed throughout the loan term.
- No hard credit check. Unlike most types of personal loan products, Flex Pay only requires a soft credit check, which means there’s no impact on your credit score to apply.
- Builds credit. Your payment history is reported to the credit bureaus, so a history of on-time payments can help to build credit or improve your score.
Where Flex Pay falls short
- Must book through partners. While Flex Pay has hundreds of partner brands, the list isn’t exhaustive and you can only use the service on those websites, unlike a credit card or travel loan.
- Potentially high rates. The company says there are 0% interest payment plans, but rates can reach as high as 36%, depending on your credit profile.
- No rewards. Unlike most credit cards these days, paying for travel or other products with Flex Pay won’t earn you travel points or cashback rewards.
- Few details on the website. It’s tough to find many details about loan amounts, rates and loan terms on its website, which would be helpful if you want to compare it to other BNPL apps like Affirm, Klarna or Afterpay, to name a few.
Flex Pay loan details
| Minimum credit score/credit range | No minimum stated |
| APR | 0% to 36% |
| Loan amount | $49 to $25,000 |
| Terms | Up to 24 months |
| Approval turnaround | Instant |
| Availability | Available in all states |
| Fees | No fees |
Flex Pay contact info
| Phone number | 844-257-5400 |
| Customer service hours | Weekdays: 5 a.m. to 7 p.m. PT Weekends: 6 a.m. to 5 p.m. PT |
| customercare@upgrade.com | |
| X ,formerly Twitter | @UpgradeCredit |
| Upgrade, Inc. |
How to qualify for Flex Pay
Flex Pay doesn’t reveal any details on its website about the criteria needed to qualify for its service. Even if you call to ask, customer service doesn’t have an answer — except to say there’s a quick application and a soft credit check that determines if you’re eligible for the loan.
How to apply
Here’s how Flex Pay works:
- Go to the website of a Flex Pay partner.
- Choose your travel plans or add items to your shopping cart.
- Select the Flex Pay payment option and fill out a quick application.
- Choose your payment plan and check out, if approved.
- Pay over time with fixed monthly payments.
How Flex Pay compares to other lenders
5 of 5 results
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Flex Pay reviews and complaints
| BBB accredited | Yes |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 4.64 out of 5 stars, based on 921 customer reviews |
| Trustpilot Score | 4.8 out of 5 stars, based on 9,305 customer reviews. |
| Customer reviews verified as of | 26 November 2025 |
Flex Pay is highly rated on both the Better Business Bureau (BBB) and Trustpilot. Customers like the easy application, fast response time and the flexibility of paying over time rather than all up front. But some reviewers say the rates are too high, and there’s a fair share of complaints about billing and payment issues, difficulty getting refunds and inaccurate credit reporting.
What do people on Reddit say?
A few people also point out that you lose out on any potential travel points or cashback rewards that you get from paying with a credit card.
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Charisse Finder
February 11, 2020
Hi Amanda,
Thanks for reaching out to Finder.
Yes, it’s true. Unfortunately, Uplift is not authorized to do business in West Virginia due to regulatory practices.
If you want to learn more information about regulatory lending practices in West Virginia, you may contact your state securities regulator.
I hope this helps.
Cheers,
Charisse
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Randy
October 03, 2019
Does Uplift report payments to the major credit bureaus?
Than you,
Randy
Charisse Finder
October 03, 2019
Hi Randy,
Thanks for reaching out to Finder.
Yes, Uplift will report accurate payment status on a monthly basis to the credit bureau, although they did not give specific information which credit bureau(s) they report to.
They also reserve the right to report partial or late payments of 30 days or longer to consumer reporting agencies in accordance with applicable law.
I hope this helps.
Cheers,
Charisse
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Carol
September 23, 2019
Can you have more than one UpLift loan at a time?
Charisse Finder
September 25, 2019
Hi Carol,
Thanks for reaching out to Finder.
Yes. UpLift allows you to have more than one active loan however, credit restrictions may apply and all loan approvals are credit dependent at the time of your application.
I hope this helps.
Cheers,
Charisse
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Amanda
February 11, 2020
I live in WV and when I go to apply at the end of my vacation package its states not eligible in WV. Is this true?