How does the Uplift App work?
The Uplift App gives you the freedom to purchase what you want now and pay over time with simple, fixed installments.
First, download the app and sign in. After downloading the mobile application you will need to create an account by providing your mobile phone number. We’ll then text you a verification code to use to complete your sign up.
Then, discover your Purchase Power. Uplift’s Purchase Power tells you just how much we can offer you through the Uplift app to spend and pay back over time with an installment plan. You’ll provide some basic information like your mobile number, date of birth, and your Social Security Number. We only use this information to verify your identity and determine your Purchase Power.
Finally, shop! Using the Uplift app, you are able to shop hundreds of your favorite stores. Simply shop for the items you want and when you’re ready to checkout, just select “Pay with Uplift”. You can choose the installment plan that works best for you and then we will issue you a virtual card. Easily copy the card information and use it at checkout, just like you would a regular payment card. Complete your purchase and make easy, surprise-free monthly payments!
Where is the Uplift App available?
The Uplift App is currently available in the United States. The Uplift App is not currently available in IA, WV, CO, or the US Territories.
Why do you need the last 4 digits of my social security number?
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.
We use this information to calculate your personalized payment plan. This is called a soft credit check—which means it won’t impact your credit score.
What is Purchase Power?
Your Uplift Purchase Power is the maximum amount we can offer you through the Uplift App to spend and pay back over time with an installment plan. Know that some plans include interest while some are interest-free. Want to hear something great? Your Purchase Power can be replenished each time you pay back your installments on time.
When calculating your unique Purchase Power, we look at a number of factors including your credit information, purchase details, payment history with Uplift, and more.
Please know that Purchase Power is not a firm approval or pre-approval and does not guarantee a loan offer. If you choose to pay with Uplift at checkout and complete an application, you may be eligible for varying loan terms and not everyone will be approved for a loan.
How can I increase or grow my Purchase Power?
Every time you make a payment towards your Uplift balance on time, your Purchase Power will be replenished to the previous maximum value. Please note, this may take a few days.
Why isn’t my Purchase Power higher?
We’ll crunch the numbers to generate your unique Purchase Power. This process includes information from your credit profile, your payment history with the Uplift App, and any existing payment plans you have with Uplift. Your Purchase Power can change if your credit profile changes or if you miss a payment with us.
Creating virtual cards also affects your Purchase Power. So only create a virtual card when you’re ready to buy. If you don’t end up using a virtual card, don’t worry, your Purchase Power will be replenished. Please note, this may take a few days.
Why did my Purchase Power decrease?
We’ll crunch the numbers to generate your unique Purchase Power. This process includes information from your credit profile and your payment history with the Uplift App. There are a few reasons your Purchase Power might decrease:
- Missed payments: Missed, or even late, payments can impact your ability to shop the Uplift App in the future.
- Existing Uplift payment plans: If you’re still paying down an existing payment plan, this may limit your ability to Pay with Uplift on new purchases. We know this can feel frustrating, but keeping your payments up to date is the best way to help increase your Purchase Power in the future.
- Changes to your credit profile: If your credit profile changes, this can also affect how much you’re able to spend with us.
Why wasn’t I approved for a Purchase Power amount?
We take a number of factors into consideration when determining eligibility. If we’re unable to approve you for Purchase Power, we’ll send you an email detailing the specific reason(s) why. Do know that you can still use the Uplift App by using another form of payment (like a credit or debit card) at checkout.
What is a one-time virtual card? How does it work?
A virtual card is how you “Pay with Uplift” at checkout. You can load it up with your available Purchase Power and spend it at any store that is part of the Uplift App marketplace.
It works just like a normal payment card but with one difference: it’s one-time use. We generate a unique card number that you can use for a single purchase. It has its own particular number that you’ll use at checkout instead of a physical card.
Creating virtual cards affects your Purchase Power. So only create a virtual card when you’re ready to buy!
Keep in mind: You can only use each virtual card to check out within a single store. Once you leave the checkout process, the card you created will disappear. Don’t worry, any unused amount on your virtual card will be replenished back into your Purchase Power if you do leave checkout or change your mind.
How do I return my order?
Contact the merchant directly to return your purchase. If your return is accepted, the merchant will send us the refund and we will apply the amount of your refund to the principal balance of your loan. Please be aware you may be responsible for interest accrued on your returned purchase.
If you receive merchant credit rather than a refund or are charged a cancellation fee, you will still be responsible for the outstanding balance. If the refunded amount is more than your outstanding balance, we refund that money to you.
How do I receive my refund for returned items?
If you receive a refund for more than the balance owed, we will apply the full amount to your loan balance. We’ll then credit back all remaining funds to your original method of payment. If you receive a refund for less than the balance owed, you are still responsible for the outstanding balance. Your monthly payments remain the same until your balance is paid in full.
I received a refund from the merchant, will this adjust my monthly payments?
No, your monthly payment amount will not change. However, if Uplift receives a refund, we will apply the refund amount towards your principal balance, which will reduce the number of payments you will have to make.
How do I cancel my order?
Contact the merchant directly to cancel your purchase.
I have not received my order.
If you do not receive your order as expected, please reach out to the store directly for an order status or shipping details.
Where can I review my payment and balance?
Visit the “My Uplift” section of the app for up-to-date information on payment due dates, Purchase Power balance, payment history, and more.
Where can I shop with the Uplift App?
You can shop with any of the hundreds of brands featured in the Uplift App. Apparel, electronics, home goods, beauty, sportswear, and more. We are always adding exciting new stores, so check back often. If there’s a brand you’d like to see on the app, drop us a note at support@uplift.com.
What happens if my order is for less than the amount on my virtual card?
You are only responsible for the final amount on the Uplift virtual card. Whatever you do not spend will not be included in your payment plan. Note that Uplift will create a loan for the entire amount you requested on the virtual card. If the final purchase is less than the requested amount, any unused amount will be refunded to the principal balance on the loan. However, because certain merchants may take up to 90 days to finalize all charges, it will also take up to 90 days for all adjustments to be reflected on your outstanding balance. To avoid any issues, make sure to request a virtual card for the exact amount you intend to spend.
What happens if my order is for more than the amount on my virtual card?
Unfortunately, you can only make purchases with the Uplift virtual card for an amount less than or equal to the amount issued on your virtual card.
How much can I spend with Uplift?
You can spend any amount less than or equal to your Purchase Power amount within the Uplift app by generating a one-time use virtual card. Your Uplift Purchase Power is the total amount we can offer you to spend and pay back over time with an installment plan.
How long is my Uplift virtual card valid?
You can only use each virtual card to check out within a single store. Once you leave the checkout process, the card you created will disappear. Don’t worry, any unused amount on your virtual card will be replenished back into your Purchase Power amount if you leave the checkout or change your mind. Please note, this may take a few days.
How do I make a payment?
You can make a payment any time by visiting the “My Uplift” section in the Uplift App and navigating to your “Payments”. We recommend that you enable AutoPay within your account at time of purchase so that your payments are automatically deducted each month.
What is your Privacy Policy and Terms of Use?
You can read our Privacy Policy at uplift.com/privacy and Terms of Use at uplift.com/terms.