Top 7 FlexPay Shopping Sites to Consider

Woman browsing a FlexPay shopping site on her laptop while drinking coffee

FlexPay is a payment plan that allows you to pay for purchases over time. Rather than paying the full amount upfront, you’ll receive the product or service immediately while splitting the payments into multiple, smaller increments.

FlexPay has several appealing features:

  • No fees, no interest: The majority of websites offering FlexPay don’t charge interest or fees to use the service, making it a more attractive option than charging the full amount of a purchase to a credit card.
  • No credit checks: Websites with FlexPay are often a popular option for those who have poor credit or no credit because they generally don’t require a credit check. You can typically get approved if you are 18 or older, have a valid ID, and have an active checking or savings account.
  • Manageable monthly payments: Affordable, fixed monthly payments over a period of time make it easy to manage your money.
  • Rebuild credit: Many FlexPay programs report to credit bureaus, giving you an opportunity to rebuild bad credit by establishing a history of making on-time payments.

Note that while FlexPay itself is the name of a payment company that offers this service, many sites offer their own version of the program under the same name. While the main idea is the same — flexible payments in increments until an item is paid off — individual sites can impose their own terms and conditions. Below, we list the major sites that use FlexPay along with each site’s individual terms and application process.

What We Recommend

Most of the companies that offer FlexPay are either retail sites or sites that allow you to book events or vacations. If you’re simply looking to shop for things like home items, clothing, beauty, or electronics and pay over time, consider the Home Shopping Network (HSN). HSN allows you to use FlexPay for virtually all purchases.

If you’re looking to book popular events or vacations, PrimeSport allows you to buy tickets and packages for most major sporting events with FlexPay, and you can also use FlexPay to buy passes for Universal Orlando and Universal Studios Hollywood.

The List

Below, we’ve provided the list of companies that offer FlexPay as a payment option, ordered starting with the best overall stores, FlexPay availability, and popular deals.

HSN logo

Home Shopping Network (HSN)

  • FlexPay availability: Virtually all purchases; HSN accepts orders from and ships to addresses in the U.S., Puerto Rico, Guam, and the Virgin Islands[1][2]
  • Payment terms: The cost of your purchase is automatically divided into as many as five equal monthly payments, the first of which is due at purchase.[3]
  • How to apply: At checkout, simply choose the FlexPay option. Your credit card will be billed immediately for the first monthly installment, plus tax and shipping.[4]
  • Start shopping

On Location

  • FlexPay availability: Tickets, ticket packages, travel packages, etc.[5]
  • Payment terms: Choose to either pay in two installments (one initial deposit and a final payment when the event date approaches) or equal monthly installments until your event date.[6]
  • How to apply: Select FlexPay as your payment method during online booking and checkout.[6]
  • Start booking online

Universal Orlando logo

Universal Orlando

  • FlexPay availability: Season and Annual Passes[7]
  • Payment terms: One initial down payment (amount depending on the type of pass), and the rest of your balance in 11 automatic monthly payments.[7]
  • How to apply: Select a qualifying pass to purchase and you will be given the option to pay through FlexPay. You’ll be charged a down payment and then billed automatically each month, starting a month after your purchase.[7]
  • Start booking online

Universal Hollywood logo

Universal Studios Hollywood

  • FlexPay availability: Silver Annual Pass, Gold Annual Pass, and Platinum Annual Pass[8]
  • Payment terms: Make one initial down payment of $139-$269, depending on the annual pass, and pay the rest of your balance in 11 automatic monthly payments.[8]
  • How to apply: Select a qualifying Annual Pass to purchase and you will be given the option to pay through FlexPay. Review and agree to terms & conditions and you’ll be charged the down payment amount (per pass).[8]
  • Start booking online

First Class Vacations logo

First Class Vacations

  • FlexPay availability: Vacation packages[9]
  • Payment terms: Choose low monthly payment plans ranging from six to 24 months using ACH as your method of payment.[9]
  • How to apply: Enroll online or tell your agent you’d like to enroll in FlexPay when you plan your trip.
  • Start booking online

Go Bahamas Plus logo


  • FlexPay availability: Ferry, cruise, hotel, and resort reservations/packages[10]
  • Payment terms: Booking must total at least $400. Pay at least $100 at booking, then pay the remaining balance over time. You must pay the full balance 30 days before your travel date.[11]
  • How to apply: Select Flex Pay as your payment method during online booking and checkout.[11]
  • Start booking online

Hatch By Wilcom logo

Hatch by Wilcom

  • FlexPay availability: FlexPay allows you to buy Hatch Embroidery Digitizer and/or Hatch Embroidery Composer with 12 or 14 equal installments.[12][13]
  • Payment terms: The first payment is due at the time of purchase. Following payments will be due on the same day every month.[14]
  • How to apply: On the product listing page or at checkout, select the FlexPay option that suits you.[12]
  • Start shopping

For more about booking trips, our article explains how to finance a vacation.



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