†Epic FlexPay T&Cs: All loans are $0 down and 0% APR but the length of the loan offered and amount of the payment may vary. 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. Privacy Policy. Terms of Use. Upgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs. 275 Battery St 23rd floor, San Francisco, CA 94111.