Travel Now, Pay Later: How FlexPay by Upgrade Makes Dream Vacations Possible

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Planning a vacation should feel exciting — not stressful. But for many travelers, the idea of paying the full cost of a trip up front can feel like a roadblock between them and the getaway they deserve. That’s why Cruise Planners has partnered with FlexPay by Upgrade — a modern "Buy Now, Pay Later" option that lets you travel now and pay over time!

What Is FlexPay by Upgrade?

FlexPay by Upgrade (formerly Uplift) is a personal loan solution designed to help you finance your vacation with fixed monthly payments. Whether you're booking a cruise, resort stay, land tour, or group getaway, FlexPay gives you the freedom to book your trip now without having to pay for it all at once.

 FlexPay offers clear terms, fixed interest rates, and a predictable payoff plan—so you know exactly what you owe and when it’s due.

Who Qualifies for FlexPay by Upgrade?

FlexPay by Upgrade is a loan-based "Buy Now, Pay Later" option, and approval is based on creditworthiness and other personal financial factors. Here’s what potential applicants should know:

Basic Requirements:

• Must be 18 years or older (19 in Alabama or Nebraska)
• U.S. citizen or legal resident
• Valid government-issued ID
• Valid U.S. mobile number and email address
• Minimum credit requirements apply (a soft credit check is performed initially)

Credit Check Info:

• A soft credit check is performed when you check your eligibility — this does not affect your credit score
• If you accept an offer and proceed with booking, a hard credit inquiry will be made

Not-so-perfect credit?

• Clients with fair credit may still qualify — FlexPay offers multiple term lengths and rates depending on the individual's credit profile.
• Approval and interest rates are determined by Upgrade’s lending partners, not Cruise Planners.

How It Works

Applying for FlexPay is fast and simple:

• Choose your trip – Let’s plan your perfect cruise or vacation package together.
• Apply online – Once we've settled on your getaway, we'll guide you through the quick application process. (Note: You'll need a smartphone handy.)
• Get an instant decision – Find out right away if you're approved.
• Book your trip – Once approved, FlexPay will generate a virtual credit card that can be used to pay for your vacation and finalize your reservation! 

It’s that easy!

Benefits of Using FlexPay

Here’s why so many of our clients are choosing to finance their travel with FlexPay:

• Travel Sooner – No need to wait and save for months. Book your dream vacation now and pay it off over time.
• Fixed Monthly Payments – You’ll always know what your payment is — no surprises.
• Flexible Terms – Choose the repayment plan that fits your budget.
• Peace of Mind – Enjoy your trip without worrying about draining your savings.

Who Is FlexPay Best For?

FlexPay by Upgrade is perfect for:

• Families booking big vacation packages or cruises
• Couples planning honeymoons or anniversary trips
• Solo travelers who want to go now and pay later
• Basically anyone needing a flexible payment solution for their getaway

Whether you’re taking a once-in-a-lifetime trip or just want more flexibility with your travel budget, FlexPay gives you the financial breathing room to make it happen.

Ready to Get Started?

We’re here to help every step of the way — from building your dream itinerary to walking you through the FlexPay application process. If you’re ready to explore financing options for your next vacation, contact CJ & Mike today.

With Cruise Planners and FlexPay by Upgrade, you can Plan Less, Travel More—on your terms!