Book Now, Pay Later with Flex Pay
Book now. Pay over time.
Spread the cost of your trip over low monthly payments.
How Flex Pay Works
- 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. - Quick & Easy
Provide a few pieces of information and receive a quick decision. - Enjoy Now
Enjoy your trip now and pay for it over time with fixed monthly installments.
Flex Pay FAQs
Please be advised this is a separate, third-party service. All questions related to your Flex Pay payment plan should be directed to the Flex Pay Customer Service team at (844) 257-5400 or by emailing customercare@upgrade.com.
⊝ 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.
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.
⊝ What is Uplift?
Uplift gives you the freedom to book travel now and pay over-time with simple fixed installments. Some plans include interest while some are interest-free.
Uplift is currently rebranding to Flex Pay.
⊝ Is there a difference between Uplift and Flex Pay?
No, there’s no difference other than the name and the look.
⊝ Now that Uplift is now Flex Pay by Upgrade, will my loans through Uplift be affected?
Your current loans won’t be affected by the 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 the name.
We suggest enabling AutoPay and linking a bank account so you never miss a payment.
⊝ What will happen to my Uplift account when Uplift becomes Flex Pay?
When the rebrand is completed, 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 they’re ready to make the switch. Don’t worry, Flex Pay will 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.
⊝ 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 finalizing the brand name change. Don’t worry, this is normal, but if you’d like to talk to their customer support team members about any concerns, please don’t hesitate to reach out to customercare@upgrade.com or call (844) 257-5400.
⊝ Am I eligible to apply for Flex Pay?
U.S. residents 18 years and older and Canada residents 19 years and older can apply for an installment loan through Flex Pay. Eligibility is based on your credit information and other factors at the time of application.
⊝ How do I apply to pay through Flex Pay?
Make your cruise reservation on our website just like you normally would. When you are ready to checkout, simply select Flex Pay as your payment method. 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.
⊝ How are my loan offers determined?
Flex Pay looks at a number of factors, including your credit information, purchase details, and more.
⊝ 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.
⊝ What type of installment loans are offered through Flex Pay?
Flex Pay offers 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.
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 with Flex Pay anytime by visiting The Member Portal.
⊝ Can I cruise before my trip is 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.
⊝ What happens to my loan if I cancel my travel plans?
You’ll need to initiate any cancellations with StarVista LIVE first. If you purchased a travel protection policy that allows for a refund, Flex Pay will update your account after the cancellation is fully processed. If you are not eligible for a refund, you are still responsible for the outstanding balance and your monthly payments remain the same until your balance is paid in full.
⊝ Are other payment plan options available?
Yes! Flex Pay is optional and gives you the extra flexibility to pay over-time.
StarVista LIVE does also offer interest-free monthly billing with final payment due approximately 45 – 60 days prior to the event.
⊝ What is Flex Pay's Privacy Policy and Terms of Use?
Here is a link to Flex Pay U.S. Privacy Policy and Terms of Use.
Here is a link to Flex Pay's Canada Privacy Policy and Terms of Use.
⊝ Can I apply for Flex Pay over the phone?
No. Applications to use Flex Pay to pay over time are only available when you book your reservation online after selecting "Flex Pay" at checkout.
⊝ I already booked my cabin but did not use Flex Pay, can I add this to my reservation after the fact?
Flex Pay can only be added to new reservations at the time of booking.
⊝ How do I contact Flex Pay regarding my payments?
To reach the Flex Pay customer support team, you can email customercare@upgrade.com or call (844) 257-5400. StarVista LIVE representatives cannot make any changes to your Flex Pay payments, so you will have to contact the Flex Pay support team.
US Disclosure
Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 0% to 36%. Minimum $150 purchase required. Not everyone is eligible. Loans made through Flex Pay by Upgrade are offered by these lending partners: Upgrade.com/flex-pay/lenders/. Privacy Policy. Terms of Use. Flex Pay's Address: 275 Battery St 23rd floor, San Francisco, CA 94111
CA Disclosure
Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 0% to 31.99%. Minimum $150 purchase required. Not everyone is eligible. Applicants are subject to approval by Uplift Canada Services ULC, a subsidiary of Upgrade, Inc. Privacy Policy. Terms of Use. Flex Pay's Canada Address: 1080 Beaver Hall Hl Suite 200 Montreal, Quebec H2Z 1S8, Canada.
Please be advised this is a separate, third-party service that is not being offered by StarVista LIVE. StarVista LIVE shall in no way be liable for any claims, liabilities or causes of action you may have arising out of or related to your Agreement with Flex Pay. All questions related to your Flex Pay payment plan should be directed to the Flex Pay Customer Service team at (844) 257-5400 or customercare@upgrade.com.