What is Epic FlexPay?

Epic FlexPay, powered by Upgrade, gives you the freedom to purchase your pass now and pay over time in monthly installments. Lock in your pass for $0 down.

With flexible payment options, Epic FlexPay makes skiing and snowboarding more accessible and affordable. Simply select “Epic FlexPay” during checkout and complete a short application.

Is Epic FlexPay available to everyone?

Epic FlexPay is available only to eligible U.S.* and Canadian residents, pending approval through Upgrade. Actual terms are based on your credit score and other factors and may vary. Not everyone is eligible, and some states are not served, including IA and WV. Loans made through Upgrade are offered by these lending partners: upgrade.com/flex-pay/lenders. Applicants must fulfill the criteria below based on country of residence.

United States - Privacy Policy. Terms of Use.

• Minimum 18 years old 
• Resident of United States (*Residents of Iowa & West Virginia are ineligible to use Upgrade, other restrictions may apply)
• Available payment methods are direct debit from a bank account, debit card, or check
• Have a mobile device
• Have a Social Security Number

Canada - Privacy Policy. Terms of Use.

• Minimum 19 years old
• Resident of Canada
• Available payment methods are direct debit from a bank account, Visa/MasterCard virtual debit, credit card or check
• Have a mobile device

What’s the difference between pay in full, Epic FlexPay, and $49 down?

• Pay in full – Your credit or debit card is charged the full amount of your order at the time of purchase. 
• Epic FlexPay – Pending approval, lock in your pass for $0 down, with low monthly payments  
• $49 down – Pay $49 at the time of purchase then the remainder of your purchase in mid-September. This option is only available for season passes bought in spring for the following season.

What is the advantage of using Epic FlexPay vs. a credit card?

Your total amount owed and monthly payments are clear at the time of the purchase with no hidden fees or late payment penalties. Epic FlexPay makes it easy to budget and pay for your purchase over time.

Is there a minimum or maximum spend level required to use Epic FlexPay?

Epic FlexPay is available for eligible pass purchases with a minimum of $49 USD/CAD up to a maximum of $25,000 USD/CAD.

Are all products eligible for Epic FlexPay?

As long as your cart total exceeds $49 USD/CAD and you meet Upgrade eligibility requirements, you can use Epic FlexPay to pay for any Season Pass sold online at EpicPass.com, WhistlerBlackcomb.com or other resort websites owned by Vail Resorts.

Your website indicates multiple loan term lengths available, but when I go to pay, I don't see every option. Why is that? 

Upgrade looks at a number of factors when determining loan term length, including credit information, purchase details, and more. If eligible, you will see a maximum of three term lengths to choose from, all with low monthly payments.

Can I use Epic FlexPay to purchase Epic Passes for others?

Yes, as long as your order includes only eligible Season Pass products that will be paid via Epic FlexPay, you may purchase as many Epic Passes as you wish, for whomever you wish up to a maximum order of $25,000 USD/CAD.

What can I use Epic FlexPay for?

As long as your cart total exceeds $49 USD/CAD, you can use Epic FlexPay to pay for any Season Pass sold online at EpicPass.com, WhistlerBlackcomb.com or other resort websites owned by Vail Resorts. Eligible Season Passes include, but may not be limited to, the Epic Pass, Epic Local Pass, Epic Day Pass, Northeast Value Pass, Tahoe Local Pass, Tahoe Value Pass, Summit Value Pass, Whistler Blackcomb Unlimited Season Pass, Whistler Blackcomb Day Pass, Whistler Blackcomb EDGE Card, and more.

Why can’t I use Epic FlexPay on lift tickets, lodging, ski and ride school lessons, or rentals?

Currently, Epic FlexPay is only available for eligible Epic and Whistler Blackcomb Season Pass products.

Why is my cart showing as ineligible?

Your cart may be ineligible for Epic FlexPay if you have ineligible products such as lift tickets, lodging, rentals, or ski and ride school lessons in your cart. If this is the case, you can purchase your passes first with Epic FlexPay, then make a second purchase for the rest of your products using a different payment method.

How do I apply for Epic FlexPay?

Shop for your Season Pass on epicpass.com or whistlerblackcomb.com as you normally would, and then select “Epic FlexPay” as your payment method during checkout. You'll need to provide some basic information like your mobile number and if you are a US resident, your Social Security Number to apply. If you're approved, finish checking out and you're done. 

Can I use Epic FlexPay if I call in or go to a resort to purchase my pass?

Epic FlexPay is only available online at epicpass.com, whistlerblackcomb.com and by calling Guest Services to purchase at (970) 754-0005. Epic FlexPay is not available at a resort ticket window. Please call our Guest Services representatives if you have questions about how Epic FlexPay works. You may reach Guest Services by dialing (970) 754-0005.

How do I make Epic FlexPay payments?

You can make payments by visiting upgrade.com/pay (United States) or upgrade.com/en-ca/pay (Canada) and clicking the Loans tab. On the Loans page, click the "Make a Payment" button.

If I'm using Epic FlexPay, can I pay early or switch to paying in full?

Yes, you can make additional payments to pay down your balance or pay off your purchase in full. You can pay off your loan at any time without paying a penalty or fee on upgrade.com/pay.

When do my payments start?

Your first Epic FlexPay loan payment will begin the month after purchase, on the same day of the month you purchased your pass. For example, if you purchase on June 25, your first Epic FlexPay payment would be on July 25.  

When is my next Epic FlexPay payment?

To see your next payment due date, please go to upgrade.com/pay (United States) or upgrade.com/en-ca/pay (Canada).

When is my last Epic FlexPay payment?

To see when your final payment will be due, please go to upgrade.com/pay (United States) or upgrade.com/en-ca/pay (Canada).

Where can I find my Epic FlexPay balance?

To see your balance, please go to please go to upgrade.com/pay (United States) or upgrade.com/en-ca/pay (Canada). 

Can I change my payment due date?

We are not able to modify the terms of your loan. However, we can delay a payment within 15 days of your original payment date as long as you contact Upgrade 3 business days before the payment is scheduled to occur.

If you’d like to delay a payment, please contact Upgrade at customercare@upgrade.com, or by calling (844) 257-5400.

What if I miss an Epic FlexPay payment?

We understand that unexpected life events happen. If you can’t make a payment, we encourage you to call Upgrade's customer service team at (844) 257-5400 to discuss your situation. They will do everything they can to help you.

If your payment becomes more than 30 days past due, you may be subject to the following:

• Your delinquent payments will be reported as late to the credit bureau.
• No further financing through Upgrade will be available to you.

What happens if I qualify for a full or partial refund under Epic Coverage and I purchased my Pass with Epic FlexPay?

If you qualify for a full or partial refund under Epic Coverage and purchased your Season Pass using Epic FlexPay, Vail Resorts will process your refund in accordance with the Epic Coverage Terms & Conditions and issue any refund directly to the purchaser of the eligible Season Pass.

Epic FlexPay is a buy now, pay later payment option offered through Upgrade, Inc. (“Upgrade”), a third-party who provides access to loans.

Vail Resorts is not a party to your financing arrangement with Upgrade and expressly disclaims all responsibility and liability relating to or arising in any way from your relationship with Upgrade.

Who do I call if I have a question regarding my pass purchase or Epic FlexPay payment plan?

If your question is about the pass product itself (resort access, restricted peak dates, etc.), call Guest Services at (970) 754-0005.

If you have questions about your financing terms, payments, or balance, please contact Upgrade directly at (844) 257-5400.

What should I do if I am not presented with an offer for Epic FlexPay?

If based on the information we have, we can't present you with an offer, you are still able to order your Season Pass using the pay-in-full option. With pay-in-full, your credit or debit card is charged the full amount of your order at the time of purchase. Just select pay-in-full and continue checking out.

Can I use my pass before I’ve paid the full balance with Epic FlexPay?

Yes, you are able to use your pass before the full balance has been paid off.

Can I cancel my Epic FlexPay loan if I am not using my Pass?

Passes are non-refundable except as set forth in Epic Coverage. Therefore, payments must continue to be made until paid in full. If you have questions about your financing terms, payments, or balance, please contact Upgrade directly at (844) 257-5400.

Will Epic FlexPay affect my credit?

• For U.S. residents: When you apply for Epic FlexPay at checkout, 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. Upgrade does not perform a hard credit inquiry.
• For Canada residents: When you apply for Epic FlexPay at checkout, a “soft” credit inquiry occurs to verify your identity and determine your eligibility. A soft credit inquiry doesn’t affect your credit score. When you accept and confirm your loan, a “hard” credit inquiry occurs, which may impact your credit score.
• Additionally, if you miss payments, Upgrade reserves the right to report payment delinquencies of 30 days or longer to one or more consumer reporting agencies in accordance with applicable law. We understand that unexpected life events happen. If you can’t make a payment, we encourage you to call Upgrade’s customer service team at (844) 257-5400 to discuss your situation. They will do everything they can to help you.

I am enrolled in Auto Renew and would like to use Epic FlexPay. How do I set this up?

Simply purchase your eligible Pass at epicpass.com and select Epic FlexPay as your new payment method. To remain in the Auto Renew, please select the Auto Renew box when prompted during checkout. Note: You will only be charged for your new pass purchase, any passes previously enrolled in Auto Renew will be automatically removed from your account.

Our Epic FlexPay provider, Upgrade, will contact you before next year's passes go on sale to confirm your payment plan selection. You must respond to this email and complete the quick confirmation process to purchase your Pass and initiate your new loan with Upgrade.

2025.26 – Epic® FlexPay Program Terms & Conditions

Epic FlexPay disclosure:

US: All loans are $0 down, but loan terms (number of monthly payments, payment amounts, and APR) may vary based on your credit score and other factors. APRs range from 0% to 36%. A minimum total purchase of $49 required to apply for a loan. Not everyone is eligible, and some states are not served, including IA and WV. Loans made through Epic FlexPay are offered by these lending partners: http://upgrade.com/flex-pay/lenders/. Privacy Policy. Terms of Use. 275 Battery St 23rd floor, San Francisco, CA 94111.

CA: All loans are $0 down, but loan terms (number of monthly payments, payment amounts, and APR) may vary based on your credit score and other factors. APRs range from 0% to 31.99%. A minimum total purchase of $49 required to apply for a loan. Not everyone is eligible. Applicants are subject to approval by Uplift Canada Services, ULC, a subsidiary of Upgrade, Inc. Privacy Policy. Terms of Use. 410 Adelaide Street West, Suite 220, Toronto, ON M5V 1S8, Canada.

Epic FlexPay terms:

Epic FlexPay by Upgrade is a convenient, alternative payment option for eligible guests in the United States and Canada to purchase participating Epic Pass products (restrictions and exclusions apply) on a buy now, pay later basis through Upgrade, a financial technology company that, provides access to loans issued by its lending partners. To participate in financing through Epic FlexPay you must provide to Upgrade identification information, meet all of Upgrade’s applicable eligibility requirements and terms to qualify for financing through Epic FlexPay. Vail Resorts does not determine your loan eligibility, is not a party to your financing arrangement, and expressly disclaims all responsibility and liability relating to or arising in any way from your loan transaction through Upgrade. Please carefully read Upgrade’s terms, policies, and all details to understand how the application and payment plan may impact your credit, any fees, charges, and costs for which you may be responsible, and any remedies available under your transaction through Epic FlexPay with Upgrade. Loans made through Upgrade are offered by these lending partners: http://upgrade.com/flex-pay/lenders/. See also Upgrade Privacy Policy and Terms of Use. Epic FlexPay may not be used to purchase ineligible pass products or other products excluded from, or not participating in Epic FlexPay. If you do not qualify for financing through Epic FlexPay, you may elect to use a different payment option to purchase an Epic Pass product. Vail Resorts permits financing through the Epic FlexPay program in its sole discretion, and reserves the right to cancel, terminate, or modify Epic FlexPay in whole, or in part, at any time. Void where restricted or otherwise prohibited. Vail Resorts’ decisions regarding the Epic FlexPay program are final and binding. If you elect to Auto-Renew your pass and choose Epic FlexPay, Upgrade will reach out to you prior to the following season to update and confirm your payment plan selection. 

Whether you purchase an Epic Pass product by participating in Epic FlexPay or through another payment method, your purchase and any use of an Epic Pass product is subject to Vail Resorts’ terms and policies, including but not limited to the Lift Access Product Terms of Sale and the Epic Coverage Terms and Conditions, both of which include without limitation forum selection, release/sole remedy, limitations on liability, and class action and jury waiver provisions set forth therein.