What is Uplift?
Uplift gives you the freedom to purchase what you want now and pay over time with simple fixed installments. Some plans include interest while some are interest-free.
Shop on any of our partner websites and when you’re ready to check out, just select “Uplift” as your payment method, complete a short application, and receive a quick decision. Choose the terms of your payment plan, finish checking out, and enjoy your purchase. Then, pay over time with simple, no-surprise monthly payments. Find partners who offer flexible payment options through Uplift.
Who issues Uplift loans?
Loans are issued by these lending partners: uplift.com/lenders
How do I apply to pay through Uplift?
Shop for your items and add them to your cart just like you normally would. When you are ready to check out, simply select Uplift as your payment method. To apply, you’ll need to provide some basic information like your mobile number, date of birth, and if you are a US resident, your Social Security Number. If you’re approved, finish checking out and you’re done.
What are the advantages of using Uplift vs. a credit card?
While some credit cards charge interest on interest, Uplift charges only simple interest. If you carry a balance on a credit card, it can be hard to understand what it will cost you. With Uplift, the cost is clear at the time of purchase, with simple interest, predictable payments, and no fees.
I purchased a trip or booked a hotel using Uplift, can I travel before it’s paid off?
Yes! You do need to allow a few days between booking and your departure date for things to process. Other than that, you are free to travel or check in whenever you like—even before you’re all paid off.
Can I finance travel on behalf of someone else?
With some merchants, you can use Uplift to purchase travel on behalf of someone else. A travel provider who has enabled this feature will be indicated with a dropdown option for “new applicant” during the application process. Third-party loans are not available in Canada.
What happens to my loan if I cancel my travel plans?
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 long does it take for you to apply a refund to my account?
Once Uplift receives a refund from the merchant, we will apply the full amount to your account balance within 10 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.
How do I receive a refund?
You’ll need to initiate any cancellation or returns with the merchant first. If you are eligible for a refund from the merchant based on their refund policy, we will apply the refunded amount to your account balance and credit back all remaining funds to your 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.
If you receive a refund for less than the balance owed, you are still responsible for the outstanding balance and your monthly payments remain the same until your balance is paid in full.
Can I apply before knowing what I want to purchase?
No. Uplift’s application process occurs at the time of checkout, directly through our partners’ websites. Loan proceeds are paid directly to the merchant for the purchase of goods and services.
To see if you may qualify for a loan using Uplift, simply shop for your items and add them to your cart just like you normally would. When you are ready to check out, select Uplift as your payment method.
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. Uplift 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.
Why do I need to provide the last four digits of my social security number when applying?
The last four digits of your Social Security Number are used to verify your identity and determine your eligibility. Prior to submitting your application, your full social security number will be required to take a loan, as required by federal banking law.
I received an error at checkout, what should I do?
If you receive an error message or can’t complete your purchase because of technical issues, you are welcome to submit a new application.
Available inventory and prices on merchant sites can change frequently and could be the reason you are unable to complete your purchase.
You may reach us by emailing support@uplift.com or by calling (844) 257-5400 between 5:00 AM to 7:00 PM (PST) seven days a week.
Can I apply for Uplift over the phone?
No. Applications to use Uplift to pay over time for merchandise are made on our merchant partner’s websites after selecting “Uplift” at checkout.
How do I contact Customer Support?
Our Customer Support team is available seven days a week from 5:00 AM to 7:00 PM (PST) at (844) 257-5400. You can also send us an email at support@uplift.com, or message us in your Member Portal at pay.uplift.com.
Does Uplift have a mobile app?
Yes! The Uplift app allows you to make purchases with our partners directly through the app. Uplift is available for both iOS and Android.
How are my loan term offers determined?
We look at a number of factors, including your credit information, purchase details, and more.
Can I purchase upgrades and add-ons with Uplift?
Yes! You can use Uplift for upgrades, insurance, extended warranties, shipping, and more – it all depends on what the merchant offers at purchase. At checkout, the monthly payment amount you see reflects all eligible purchases you have in your cart.
Can I receive my items before paying off my purchase?
Yes! As soon as the merchant has processed your purchase, it will be delivered to you, even before you finish making your loan payments.
What kind of products and services can I purchase using Uplift?
Uplift can be used to purchase a wide range of products and services from our travel partners and retailers. Click here to see a full list of our current partners who offer Uplift.
Get the app
Why choose Uplift?
Uplift gives you the freedom to purchase what you want now and pay with fixed monthly payments. Uplift is often a better alternative to credit cards because Uplift charges only simple interest while some credit cards charge interest on interest. Uplift also makes budgeting easy so you can manage your expenses over time rather than paying one large sum all at once.
Are there any fees?
Uplift does not have any fees. That includes no late fees or pre-payment penalties.
Can I have more than one loan at a time?
Yes – you can have more than one active loan with Uplift at a time. Just know that each time you apply to use Uplift, we look at a number of factors including your credit information, purchase details, current loan activity, and more. Approval in the past does not guarantee future approvals.
Can I/How do I get pre-approved through Uplift?
Pre-approval occurs at the time of checkout, directly through our partners’ websites. To see if you may qualify for a loan using Uplift, simply shop for your items and add them to your cart just like you normally would. When you are ready to check out, select Uplift as your payment method. To apply, you’ll need to provide some basic information like your mobile number, date of birth, and if you are a US resident, your Social Security Number. If you’re approved, finish checking out and you’re done.
What does pre-qualification mean? What is pre-qualification?
Pre-qualification is different from pre-approval. Pre-qualification refers to an estimate of how much you may be able to spend based on the information you provide Uplift. Pre-qualifications are conditional and do not guarantee you will actually be approved for the amount you pre-qualify for.
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.
Where is Uplift available?
Uplift is currently available throughout the United States and Canada.
Note: If you are using the Uplift mobile app, it is currently only available in the United States except for IA, WV, CO, and the US Territories.
When booking a hotel, what’s included in my Uplift offer?
When paying for a hotel booking with Uplift, your loan will cover your room rate, taxes, fees and add ons listed on the booking confirmation page.
When booking a hotel, does my offer cover additional hotel charges?
While Uplift never charges any fees, your hotel may charge additional fees during your stay for amenities such as resort fees, parking, and WiFi. For more information, please review the hotel’s website or contact the hotel directly.
