Flex Pay by Upgrade Vacations From Goway Travel

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

How Flex Pay by Upgrade Works Frequently Asked Questions Fine Print

How Flex Pay by Upgrade Works

Flex Pay by Upgrade gives you the freedom to purchase what you want now and pay over time with fixed monthly payments. Flex Pay by Upgrade is often a better alternative to credit cards because Flex Pay by Upgrade charges only simple interest while credit cards charge interest on interest. Flex Pay by Upgrade also makes budgeting easy so you can manage your expenses over time rather than paying one large sum all at once.

1) Plan your purchase with an agent
Your purchase can include everything from a cruise to airfare,excursions and more.

2) Quick & Easy
Provide a few pieces of information and receive a quick decision.

3) Enjoy Now
Enjoy your trip now and pay for it over time with low monthly installments.

Frequently Asked Questions

What is the advantage of using Flex Pay by Upgrade vs a credit card?

Credit cards charge interest on interest, Flex Pay by Upgrade charges only simple interest. It’s hard to understand costs when using a credit card if the consumer is carrying a balance. Flex Pay by Upgrade finance costs are clear at the time of the purchase with no hidden fees or late payment penalties. Flex Pay by Upgrade makes it easy to budget and pay for a purchase over time rather than paying upfront and then carrying the full cost for an extended period.

If I purchase a trip can I travel before it is paid off?

Yes! Goway will allow you to make your final payment with Flex Pay by Upgrade which is approximately 60 days prior to departure. Other than that, you are free to travel whenever – even before you’re all paid off.

If I cancel my travel plans what happens?

You’ll need to initiate any cancellations with the travel provider first. If the travel provider’s cancellation policy allows for a refund, we’ll update your account after the cancellation is fully processed. If you are not eligible for a refund from the travel provider, you are still responsible for the outstanding balance and your monthly payments remain the same until your balance is paid in full.

How do I receive the refund?

Once Goway cancels the trip, they will refund Flex Pay by Upgrade, this may take a few business days. If you receive a refund for more than the balance owed on your account, we will credit back all remaining funds to the method of payment used to make the initial payment. In the event that you no longer have that method of payment (e.g., you used a card that is no longer valid), we will work with you to issue an electronic refund through Zelle.

Does checking my rate impact my credit score?

US Residents: When you check your eligibility, a “soft” credit inquiry occurs to verify your identity and determine your eligibility for financing. A soft credit inquiry doesn’t affect your credit score. Flex Pay by Upgrade does not perform a hard credit inquiry.

Canadian Residents: When you check your eligibility a “soft” credit inquiry occurs to verify your identity and determine your eligibility. A soft credit inquiry doesn’t affect your credit score. However, when you submit an application, a hard credit inquiry will be placed, which may impact your credit score.

How are my loan term offers determined?

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

How is my interest/ APR determined?

APRs may range from 0% to 36% and are based on a number of factors including your consumer credit information, purchase details, current loan activity, and more.

How much can I take out on my uplift loan?

For US clients in US Dollars: Minimum $150 and Maximum of $25,000

For Canadian clients in Canadian Dollars: Minimum $300 and a maximum of $25,000

How long can I take to repay Flex Pay by Upgrade?

The system will offer term lengths from 3 months to 24 months at the time you agree to your payment plan.

What do Goway's travellers say?

ExcellentBased on 5,159 Reviews

“Thanks very much Alice Teramoto for…”

Thanks very much Alice Teramoto for organizing such a fantastic trip for us!!!! Everything went very smoothly, including our 15 flights and we loved all the experiences, activities and accommodations that you arranged for us. Everything was top notch!!!

Shelley Murphy

“Great Trips to Australia and New Zealand”

We've had two unforgettable trips arranged by Joanne - Australia January 2024 and New Zealand in January 2026. Our itineraries were executed flawlessly and incorporated some on the go changes. Great advice and arrangements for things to do. Highly recommended!!!

CIndy G

“I booked a 5+week tour to Australia…”

I booked a 5+week tour to Australia with only 3 weeks notice. Goway and Sam Day, my travel advisor, did a great job of ensuring that I saw everything on my list. Highly recommended them for your travel needs.

JO ELLEN SCHRODE

“Wonderful experience! ”

Janette did a remarkable job planning our Australia/New Zealand adventure. It truly was amazing! Our travel was great, the tours were wonderful, and the hotels were perfect. We had a wonderful time - better than we could’ve imagined. Thanks for helping make our dream come true!

Teresa Lunt

“Portugal/Spain”

Had the pleasure of working with Heidi to plan a Portugal/Spain get away. She listened to our budget constraints and still pulled off a fabulous itinerary! We had a wonderful time!

Regina Cregin

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