UpLift (2024)

FAQs

Is it hard to get approved for uplift? ›

Our take on Uplift travel loans

Unlike many lenders, Uplift only does a soft credit check when you apply for financing, skipping the long application process. Just fill out a short form at checkout and receive an instant decision and payment plan on your purchase.

If your application is denied, we'll send you an email with the specific reason(s) why. That information will also be available in your account at pay.uplift.com.

Guests can apply for a loan ('monthly payment plan') through Uplift to pay for their trip, including associated costs like add-ons and extras (Travel Protection ('insurance') plans, Gratuities, Transfers and Transportation, etc.). Guests may have up to two loans active through Uplift at any given time.

Uplift typically charges an APR of 7 percent to 36 percent, with an average of 15 percent. Affirm charges interest rates between 10 percent and 30 percent, averaging 17 percent. By way of comparison, the average rate of interest on credit cards is 17.30 percent, according to CreditCards.com.

Loan limits vary by merchant and will depend on your credit record and payment history with Affirm. The lender has no minimum credit score to qualify for a loan, and checking whether you prequalify will not damage your credit score.

BUY NOW - PAY LATER - INTEREST FREE: homePLUS makes it easy to get what you need today, even if you don't have the funds available for a few months. $0 Down, 0% Interest for up to six full months after purchase!

Uplift partners with eight cruise lines to provide their customers the option to fully finance their vacation: American Queen Voyages, Carnival Cruise Lines, Hurtigruten, Margaritaville at Sea, MSC Cruises, Norwegian Cruise Line, Uniworld Boutique River Cruises, and Virgin Voyages.

Uplift may earn a commission from qualifying purchases when including a merchant's link to products and services in the Shop with Uplift App.

Using Buy Now, Pay Later Services

Some “buy now, pay later” services like Uplift let you book a trip to Disney for a small upfront cost and pay the rest over a period of time. This is a great option if you want to book a vacation soon, but don't want to pay the full amount in such a short window of time.

Loan Approval

A Lift Credit loan processor will review your information within 30 minutes of receiving your application during business hours.

How many points does credit drop for hard inquiry? ›

How do hard inquiries impact your credit score? A hard credit inquiry could lower your credit score by as much as 10 points, though in many cases, the damage probably won't be that significant. As FICO explains, “For most people, one additional credit inquiry will take less than five points off their FICO Scores.”

In the meantime, we want to help you understand how cancellations affect your loan with Uplift. Canceled trips result in either a refund or a credit voucher. Only your travel provider can issue a refund or a credit voucher. A refund will be applied to the balance of your Uplift loan.

Although loan amounts vary across lenders, the maximum amount for personal loans typically ranges from $500 to $100,000. In some cases, you may qualify for a loan larger than what you need. Before accepting any loan, consider what you can afford to repay and be sure you don't borrow more than what you can manage.

Is buying flights on finance possible? Yes, financing flight tickets or paying off flight tickets in instalments is possible and available through Alternative Airlines at checkout. The online flight search allows customers all over the world to pay for tickets in instalments on over 600 airlines.

Yes, Uplyft Capital is a legitimate online lender. The company has a 4.7 out of 5 rating on Trustpilot with over 150 reviews.

Carnival guests may use Uplift for Carnival vacations ranging in total cost between $100 - $15,000USD.