FAQ 2016-11-17T04:51:25+00:00

Memories last forever.
Saving for them shouldn’t.

UpLift helps you spread your trip into affordable payments
to make your travel dreams a reality.

Memories last forever.
Saving for them shouldn’t.

UpLift helps you spread your trip into affordable payments to make your travel dreams a reality.

Frequently Asked Questions

Are there any cancellation fees? 2017-05-03T16:49:38+00:00

Uplift does not charge cancellation fees.  However, your travel provider may charge cancellation fees based off of their terms and conditions.  If your travel provider issues travel fund credits directly to you or charges a cancellation fee, you will still be liable for the outstanding loan balance.  

How much can I finance? 2017-04-12T19:54:19+00:00

Your travel package amount must be within $500-$10,000 and no less than 7 days from your travel date.

Can I apply for a Pay Monthly loan over the phone? 2017-04-12T19:52:55+00:00

Unfortunately, we do not take applications over the phone.  Please visit one of our travel partners to apply.

How do I get a loan from UpLift? 2017-01-17T18:42:01+00:00

Select UpLift’s Pay Monthly as your payment method while buying your travel through any of our travel provider partners. We make it quick and simple for you to apply for a loan during the travel purchase checkout process.

Why is my first payment different than my remaining payments? 2017-03-27T17:38:01+00:00

First payments may be different when travel protection is purchased or if loan limits exceed the purchase price.

How do I participate in the Pay Monthly program? 2017-04-12T19:58:44+00:00

On the sites of our travel provider partners, you’ll enter simple information such as your mobile number and the last four digits of your social security number during the payment step of the checkout process. We’ll let you know within seconds if you’ve been approved for a loan.

Review your payment plan details, agree to the terms and then complete your purchase on the travel provider’s site.

What is required to get a loan from UpLift? 2017-01-18T19:35:40+00:00

Be 18 years or older (other additional borrowing requirements may apply for residents in Alabama and Nebraska).

Provide a valid U.S. or APO/FPO/DPO home street address.

Provide a valid U.S. mobile or VoIP number and agree to receive SMS texts. The phone account must be registered in your name. At this time, UpLift Pay Monthly programs are unavailable for those who are unable to agree to these terms. We do hope to offer this option in the future.

Provide your full name, email address, date of birth, and the last 4 digits of your social security number to help us verify your identity.

Can I make additional loan payments? 2017-03-27T17:50:48+00:00

Yes, you can do so by logging into your borrower’s portal at www.uplift.com.  

Is there interest or fees associated with UpLift Pay Monthly loans? 2017-02-02T00:33:20+00:00

UpLift offers interest rates as low as 4.99% (9.01% APR) – the industry’s lowest.

UpLift charges a 2% origination fee.

In case of a late payment, UpLift will charge a $15.00 late fee along with reporting negative loan activity to the credit reporting agencies.

If I make additional loan payments, will my monthly payment change? 2017-03-27T17:50:58+00:00

Your monthly payment will not change, but the amount of the last payment and the duration of your loan will be less.

Do I have a credit limit with UpLift? 2017-01-17T19:15:03+00:00

Unlike a credit card, UpLift Pay Monthly products are not a revolving line of credit. Each loan through UpLift is independent and your balance decreases as you make payments.

Does UpLift perform a credit check? 2017-01-17T19:16:09+00:00

Yes, after obtaining your consent, we perform a ‘soft’ credit check to verify your identity and determine your eligibility for financing.  Regardless of the evaluation of your application, this ‘soft’ credit check will not affect your credit score.  If you apply for more loans with UpLift, additional ‘soft’ credit checks will seek your consent before a credit check is completed.

When does interest start to accrue? 2017-04-12T19:55:31+00:00

Interest begins to accrue once your loan has completed processing.  (3-4 business days from your booking date)

When do I pay for travel insurance? 2017-03-22T16:27:09+00:00

Your first loan payment will include the cost of travel insurance.

How many UpLift loans can I have? 2017-01-17T19:16:55+00:00

You may have up to two distinct loans through the UpLift Pay Monthly program. Each application of credit is evaluated based upon your credit risk at the time of application.

What is CBW and how is it related to UpLift? 2017-01-17T19:17:41+00:00

CBW is a Kansas-chartered bank and is the lender for all loans obtained through UpLift.

Is my personal information secure with UpLift? 2016-11-07T01:46:00+00:00

Yes. UpLift offers the industry’s highest level of data security (PCI Level 1). We encrypt all sensitive data — including your social security number. We also maintain physical, electronic, and procedural safeguards to protect your information.

What kind of travel can I buy with Pay Monthly? 2017-01-17T19:21:05+00:00

Our travel provider partners sell everything from flights, to vacation packages, from hotels to cruises, and they make Pay Monthly available for a broad range of ancillary products and travel purchases.

UpLift, Inc is licensed as a Finance Lender and Broker by the California Department of Business Oversight, license number 60DBO-49318. 2017-05-05T19:36:16+00:00
Why didn’t UpLift approve my loan? 2017-05-15T20:50:38+00:00

We consider a variety of factors when evaluating loan applications. (credit score, credit history, debt-to-income ratio)  If we are unable to approve you for a loan, the specific reasons of why you were not approved will be provided to you through the UpLift borrower portal at www.uplift.com.  All you will need to do is sign in using your mobile number.

How do I cancel a purchase I made with Pay Monthly? 2017-05-03T16:48:53+00:00

You can cancel your purchase directly with the travel provider.

Your loan will show as canceled on the UpLift site once we receive the refund, if any, from your travel provider.  Please log in at www.uplift.com using your mobile number to see if there is a remaining balance on your loan.

Can I make other changes to travel I made with Pay Monthly? 2017-01-19T23:11:08+00:00

Any travel related changes would need to be discussed with the travel provider directly. The effect of any changes to your travel arrangements on your loan balance will depend upon the nature, type and dollar amounts involved in the change made.

In order to adjust your loan terms, you would need to re-apply through the travel provider’s site and choose the Pay Monthly option again.

Where can I review my loan details? 2017-01-17T19:31:24+00:00

During the term of your loan, your loan information will always be available through  UpLift’s borrower portal at www.uplift.com.  Simply use your mobile number to log in.

How do I make my loan payments? 2017-01-19T23:12:55+00:00

As part of your UpLift Pay Monthly loan acceptance, your payments will be automatically debited from the credit or debit card used when you initially booked your travel. 

Are there any penalties for paying my loan off early? 2017-01-17T19:36:20+00:00

There are no penalties for paying off your loan early.

Can I make changes to the credit card I’m using to make my loan payments? 2017-01-17T19:47:54+00:00

Yes, please sign in to your borrower’s portal at www.uplift.com to change the credit card you previously authorized.

Can I make my payments with my co-branded loyalty card? 2017-01-19T23:15:04+00:00

Payments on your loan can be made through any of the following cards. (VISA, MasterCard, American Express, Discover)  Payments through any card used will earn you the benefits of using the card as the issuer allows. (items such as points or miles)

Will UpLift send me payment reminders? 2016-11-07T01:56:37+00:00

Yes – we will send you reminders via both email and text messages.

When are my payments due? 2017-01-19T23:16:37+00:00

Your monthly payments are based on your date of purchase.  For example, if you purchased your ticket on January 10, 2020, your next loan payment would be on February 10, 2020.  If your scheduled payment falls on the last day of a month that does not contain 30 or 31 days, the payment will be debited on the last day of that month.

What happens if I don’t pay? 2017-04-14T19:53:53+00:00

Please understand that when you take out a loan through UpLift, you are entering into a legal obligation to repay your loan. UpLift may report your repayment data to one or more credit bureaus.  If you are late on a payment, miss a payment or do not repay your loan in full, your credit may be negatively impacted and you will not be able to benefit from UpLift’s Pay Monthly financing for your future travels.

How do I get paid by UpLift? 2016-11-07T01:58:40+00:00

UpLift pays you immediately and in full. You don’t have to wait for customers to pay UpLift before we pay you.

How much work is required to add UpLift’s Pay Monthly to our site? 2016-11-10T03:17:46+00:00

We make it simple to get going with Pay Monthly. The UpLift team has done more than 200 integrations with travel providers, and we’ll help you add Pay Monthly to your site quickly.

Who is responsible for loan servicing and customer service? 2016-11-07T01:59:10+00:00

UpLift handles all loan servicing and customer questions so you can stay focused on your core business.

What happens if my customers don’t pay? 2016-11-10T03:18:18+00:00

In short, nothing. UpLift pays you in full at the time of the transaction. UpLift assumes the credit risk.