Flex Pay 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. When you’re ready to checkout, just select “Flex Pay” 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.

When you've selected your stateroom and are ready to checkout, 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, finish checking out and you’re done.

Flex Pay looks at a number of factors, including your credit information, purchase details, and more.

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.

You can make a payment anytime by visiting upgrade.com/pay 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 upgrade.com/pay, 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 upgrade.com/pay.

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.

No. Flex Pay is not required for all guests within a reservation. Each guest who chooses to utilize the Flex Pay Pay Monthly option will be able to select the amount they would like to personally be responsible for when enrolling in the program.

To reach the Flex Pay customer support team, you can email [email protected] or call (844) 257-5400. 

ASK4 & ShipRocked are not able to make any changes to your Flex Pay payments or financing plan, so you will need to contact the Flex Pay support team.

A refund to your Flex Pay loan is dependent upon our cancellation policy. Please note: You are still responsible for your Flex Pay contract and payments, even if you cancel your non-refundable and non-transferable ShipRocked reservation. Travel insurance is strongly recommended.

A number of additional frequently asked questions about Flex Pay can be found by clicking below:

https://www.upgrade.com/flex-pay/frequently-asked-questions

You can read Flex Pay's Privacy Policy at upgrade.com/flex-pay/privacy and Terms of Use at upgrade.com/flex-pay/terms.