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?

“Had a great experience booking a trip…”

Had a great experience booking a trip to Dubai and Maldives for a group of 14!! There were no issues and we had a great time. The communication of the Goway team is top notch. I worked with Taha Colombowala.

Sophia

“South America trip with Goway”

We used Goway for a short trip to South America. It was arranged easily and the details of the trip went well for our family of three. For simple trips we usually book things ourselves and are fine doing that in North America and Europe. When we have gone further, the value in a travel agency is in linking and arranging keys details in a trustworthy manner. In this trip we had a guide in each of two South American locations that were arranged by Goway. This went well and having this set up in advance gave peace of mind during the trip. Choosing the itinerary and hotels was also helped by the suggested items from Goway. We trust with our experience that we'll have a good outcome on trips such as this. The two private guides were helpful and nice to connect with.

Mark Fritz

“ Ireland tour”

I visited Ireland in September 2025. The trip was amazing and the second time I’ve booked with Goway travel. Well organized, we hit all the best sites and some we wouldn’t have known about without Goway’s expertise. Our agent. Farnaz Bagheri was professional , knowledgeable and very helpful during planning and when we had questions while travelling. Wonderful experience - highly recommend Farnaz and Goway

K. Kane customer

“Women Take Dubai 2025 with Goway”

As a TA, I had the task to prepare a trip to Dubai for 32 women. I have been working with Nerea at Goway to work out all of the details on the trip. Nerea was very professional and helped bring my vision to reality with her expertise. Upon arrival in Dubai, we were greeted by Ali our tour guide for the week. Ali was the best!! Ali was very knowledgeable and extended patience and care for such a large group of women. He ensured that we all felt safe and his hospitality was second to none. I will be conducting group trips to Dubai in the future and look forward to working with both Nerea and Ali again.

Deborah Miller-Ashmead

“EXCEPTIONAL SERVICE”

I am a travel agent with more than 34 years of experience. I must admit I have never booked Patagonia. I was lucky enough to deal with Osvaldo Gonzalez. Ozzie was exceptional with his knowledge of Patagonia. It was a complicated itinerary since many of the lodges were sold out. He kept in contact with me and my client (who happened to be on a trip to Switzerland when booking this trip). He communicated with us both (even with the time change) and put an amazing itinerary together. He was in constant contact with his agents in Chile and it was incredibly challenging since it was a holiday. He consistently worked on this until the client was satisfied and once the itinerary came together client deposited the trip immediately. I hope I get to work with him again.

Careen Sullivan

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