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.
CRUISE NOW, PAY LATER THROUGH FLEX PAY
Sign up to get the hottest cruise deals!
HOW Flex Pay WORKS
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 low monthly installments.
CRUISE NOW, PAY LATER THROUGH FLEX PAY
Cruise Europe now. Pay over time, interest-free.
Now's the time to turn your cruise dreams into plans. With our limited-time 0% APR offer on all 2026 European sailings, you can enjoy your vacation now and pay over time with low monthly payments. Just select Flex Pay at checkout.*
*View full terms and conditions.
WHY Flex Pay PAY MONTHLY?
Low Monthly Payments
Budget-friendly loan options
Easy Application
Quick decision
Surprise-Free
No late fees or prepayment penalties
Easy AutoPay
No payment dates to remember
FREQUENTLY ASKED QUESTIONS
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 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.
We look at a number of factors, including your credit information, purchase details, and more.
You have the flexibility to make payments in a number of different ways.
View your Upgrade account online or in the App and review your upcoming installments under the “Loans” tab in your account.
Set up auto-pay or, for one-time payments that you’ll make each month, you can:
- Pay online in your dashboard
- Pay by mail: send a personal check, cashier’s check, or money order
To manage your loan through Flex Pay, you’ll first need an Upgrade account. If you're new to Upgrade, you can create your account here to get started.
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.
You can read our Privacy Policy at upgrade.com/flex-pay/privacy/ and Terms of Use at upgrade.com/flex-pay/terms .
0% APR available on 2026 European sailings for 3-12 month terms booked between 4/20/26 and 5/31/26 for all approved applicants sailing through 12/31/26. A European sailing is classified as a sailing departing from a European port. Based on a purchase price of $2,000, you could pay just $129.70 today, followed by 16 monthly payments of $129.70 at 15% APR. Minimum $150 purchase required. Down payment may be required. Actual terms are based on your credit score and other factors and may vary. Not everyone is eligible. Loans made through Flex Pay by Upgrade are offered by these lending partners: Upgrade.com/flex-pay/lenders/ Privacy Policy. Upgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs. 275 Battery St 23rd floor, San Francisco, CA 94111.