†Epic FlexPay T&Cs: 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.