*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