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Flex Pay for vacations and flights in Canada

Flex Pay is a pay-over-time option from Upgrade (it replaced the Uplift name) that lets Canadian travellers book vacation packages and flights now and pay in fixed monthly instalments. At last check the APR ranged from 14.99% to 34.99%, with occasional 0% promotions, and Air Canada Vacations, Air Canada and WestJet offer it at checkout.

  • Flexible monthly payments
  • Simple application at checkout
  • Use on Air Canada Vacations, Air Canada and WestJet
Search vacations with Flex Pay

  • Monthly payments

    Split your trip into easy payments

  • Trusted provider

    Lender is Uplift Canada Services ULC, part of Upgrade

  • Great for travel

    Use on vacation packages and flights

What is Flex Pay? Key facts for Canadians

The key details to know about Flex Pay for travel in Canada, at last check.

Lender
Uplift Canada Services ULC, a subsidiary of Upgrade, Inc.
Plan type
Fixed monthly instalments; a down payment may be required
Cost
APR 14.99% to 34.99%; promotional 0% APR is offered from time to time
Minimum purchase
$150 on Air Canada Vacations packages; $99 on Air Canada and WestJet flights
Fees
Air Canada Vacations lists no late fees and no prepayment penalties
Credit decision
Quick application at checkout; approval and terms depend on your credit and the purchase
Where it works for travel
Air Canada Vacations packages (hotel-only excluded), Air Canada flights, WestJet flights

Last checked October 27, 2026. Confirm current terms with Flex Pay before you rely on them.

How Flex Pay works when you book travel

It only takes a few simple steps to confirm your trip and set up Flex Pay at checkout.

  1. Pick the package or flight first

    Flex Pay is chosen at checkout on the seller's site, not added to a booking afterwards. Choose your dates and price before you apply.

  2. Select the monthly option

    Choose Flex Pay at checkout (WestJet labels it Pay Monthly) and enter the short application. You get a decision straight away.

  3. Choose your plan

    If you are approved you see the plans offered for your purchase, including the APR and the monthly amount, before you confirm.

  4. Pay monthly, travel when you like

    Payments are fixed and automatic. You can travel before the balance is paid, but leave a few days between booking and departure for processing.

When Flex Pay makes sense

  • Larger package totals where four short payments would be too steep
  • Travellers who want a fixed monthly amount and a known end date
  • Anyone booking an Air Canada Vacations package who qualifies for a promotional 0% rate

Things to watch out for

  • Not everyone is approved, and the rate you are offered can sit near the top of the range
  • It cannot be combined with other payment methods, so the whole purchase goes on the plan
  • Hotel-only bookings are excluded on Air Canada Vacations, and WestJet's page describes flights, upgrades and bags
  • Interest can add up. Compare the total you will repay with the price of simply saving first

Where you can use Flex Pay for travel

Flex Pay is offered at select travel sites. Visit a partner below to see how it handles payment. These sites run their own checkouts and set their own terms, and TripRadr takes no booking or payment.

Common questions about Flex Pay

What is Flex Pay?

Flex Pay is a buy-now-pay-later product from Upgrade, Inc. that replaced the Uplift name. Canadian travel brands add it at checkout so you can pay for a trip in fixed monthly instalments instead of all at once. Approval and terms depend on your credit and the purchase.

Is Flex Pay the same as Uplift?

Yes. Uplift rebranded to Flex Pay, and the Canadian lender named in the terms is still Uplift Canada Services ULC, a subsidiary of Upgrade, Inc. Confirm current terms at checkout on the travel seller's site.

Can I use Flex Pay for a vacation package in Canada?

On Air Canada Vacations, yes, for vacation packages, flight and hotel packages, tour packages and flight and cruise packages booked online. Hotel-only bookings are excluded. Check any other travel site's checkout to see whether it offers Flex Pay.

How much does Flex Pay cost?

At last check the APR ranged from 14.99% to 34.99%, with occasional promotions from 0% APR. Your rate depends on your credit and the purchase, and it is shown to you before you confirm. Compare the total you will repay with the price of simply saving first.

Does Flex Pay charge late fees?

Air Canada Vacations describes Flex Pay as having no late fees and no prepayment penalties. Interest still applies according to your plan, so read your agreement. Confirm current terms at checkout before you accept a plan.

Does TripRadr offer Flex Pay?

No. TripRadr compares vacation package prices and does not sell trips or take payments. You choose Flex Pay on the travel site where you book.

Sources: Air Canada Vacations: flexible payment options, Air Canada: Flex Pay, WestJet: Flex Pay. General information, not financial advice. Rates, limits and availability change and vary by customer and province.

More ways to pay later: Affirm, Klarna, Afterpay, all pay later options, how TripRadr works.

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