Frequently asked questions.

How Uplift works.

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 checkout, 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 checkout, 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 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 whenever – 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.

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?

To apply for Uplift, you need to make a new purchase on one of our merchant partners’ websites and select Uplift at checkout. Loan proceeds are paid directly to the merchant for the purchase of goods and services. That being said, you may be able to pre-qualify to get a sense of how much you could be able to spend with Uplift! Look for a button to ‘pre-qualify’ with Uplift (only available on select partners).

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.

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 24/7/365. Please call us at 844-257-5400, send us an email at support@uplift.com, or chat with us on our website or in the Borrower’s Portal.

Does Uplift have a mobile app?

Uplift doesn’t have an app, but we do have a mobile-friendly site where you can make payments and manage your account. Visit pay.uplift.com and use the mobile number associated with your account to sign in. We’ll text you with a passcode.

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 partner merchants. Click here to see a full list of our current partners who offer Uplift.

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 checkout, 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.

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.

What countries is Uplift available in?

Uplift is currently available throughout the United States and Canada.

Payments and refunds.

I’m expecting a refund, when will Uplift apply the refund to my account?

Once Uplift receives a refund from the merchant, we will credit it to your account within 10 days.

If you receive a refund for more than the balance owed, 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.

You can check your refund status by logging into the borrower’s portal at pay.uplift.com. If there is a pending refund, you will see a notification on the account page. A posted/confirmed refund will be available in your transaction history under your loan.

Please note, loan payments due during the refund processing time are still required and interest will still accrue.

How can I update the form of payment that I have on file at Uplift?

Sign in to your account at pay.uplift.com and click on the Account tab. Under Manage Payment Methods, you can edit an existing payment method or add a new one.

We recommend that you connect your bank account – it’s a more reliable method than debit card payments.

How do I make installment payments?

You can make a payment anytime by visiting pay.uplift.com and clicking on the Loans tab. From there, click the Make a Payment button.

We recommend that you enable AutoPay at time of purchase so that your payments are automatically deducted each month.

If you don’t have AutoPay enabled, visit pay.uplift.com, click on the Accounts page, and set the AutoPay toggle to ON.

You can also change the form of payment on file with Uplift anytime by visiting pay.uplift.com.

How do I enable automatic monthly installment payments?

How do I turn off automatic monthly installment payments?

To turn OFF AutoPay, please call Uplift Customer Service at 844-257-5400. You can also email support@uplift.com.

What do I do if I’m using a debt settlement company?

If you’re having trouble making your payments, please reach out to us before considering enrollment with a debt settlement company. We can answer your questions and discuss your options at no additional cost to you. Contact us at support@uplift.com, or call us at 844-257-5400.

Debt settlement companies may encourage you to stop making your payments, which means your loan will accrue additional interest. We’re required by law to report all account experiences—positive and negative—to one or more of the credit bureaus. What’s reported to credit bureaus doesn’t change if you’re working with a debt settlement company, and we still must follow our policy on good faith updates. We will still follow our charge-off policy if your loan becomes 120+ days past due.

If you’re already enrolled or plan to work with a debt settlement company, please email us your authorization to release information at support@uplift.com.

What happens if I can’t make a payment?

We understand that unexpected life events happen. If you can’t make a payment, we encourage you to call our customer service team at (844) 257-5400 to discuss your situation. We will do everything we can to help you. We are available 24/7/365.

If your payment becomes more than 30 days past due, you may be subject to the following:

– Your delinquent payments will be reported as late to the credit bureau.
– You will owe additional interest and it will continue to accrue.
– No further financing through Uplift will be available to you until your payments become current.

Why should I add my bank account?

Adding your bank account is the preferred method of payment because it’s:

-More reliable! Electronic payments are a more reliable method than card payments.
-Faster! Uplift partners with Plaid so you can sign into your bank account for instant verification.
-Easier! Don’t worry about expiration dates or daily limits.

How do I switch default payment methods?

Sign in to your account at pay.uplift.com, and navigate to the Account tab. Click the Make Default button next to a payment method to make it the default method.

What are my payment method options?

Customers from the United States can pay by either bank account, debit card, or check. If paying by check, please make your check payable to Uplift, Inc., and send it to our U.S. office address:

Uplift, Inc.
5301 Kietzke Lane, Suite 200
Reno, NV 89511

Customers from Canada can pay by direct debit from their bank account or with Visa/MasterCard virtual debit. If paying by check, please make your check payable to Uplift, Inc., and send to our Canada office address:

Uplift Canada Services ULC
410 Adelaide Street West
Suite 220
Toronto, ON
M5V 1S8

Can I mail in a payment?

Yes! Make your check payable to Uplift, Inc. and send it to our U.S. corporate address:

Payable to:
Uplift, Inc.
5301 Kietzke Lane, Suite 200
Reno, NV 89511

Can I make additional payments?

Yes, you can make additional payments to pay down your balance or pay off your purchase in full. You can pay off your loan at any time without paying a penalty or fee.

Making additional payments won’t change your monthly payment amount, but it will pay off your loan sooner and decrease the total amount of interest you pay over the life of your loan.

Is there a penalty for paying off my loan early?

No, there are no pre-payment penalties.

My payment isn’t going through, what should I do?

First, check to see if the payment method on file is up to date by visiting the Borrowers Portal at pay.uplift.com. Is the correct billing address added? Is the expiration date correct? Is the account number entered correctly? Be sure to ensure all information is up to date.

If your payment method is current and your information is up to date, please contact your financial institution to confirm that payments are not being blocked. You may also contact us at support@uplift.com.

When are my payments due?

Payments are due monthly. Your due date is available in your account at pay.uplift.com. We’ll also send you emails and text messages to remind you.

Can I change when I make my payments?

You can’t change when your loan payments are due, but you can delay a payment up to 15 days after your original payment date by signing in to pay.uplift.com. This request will not affect future payment due dates. You will be responsible for any additional interest that accrues.

Will Uplift send me payment reminders?

Yes. We send reminders via both email and text before your monthly payment is due.

I received notification that my payment failed. What do I need to do in order for my payment to be processed?

A payment may fail for a variety of reasons. If your payment was not processed, sign in to your account at pay.uplift.com and click on the Account tab at the top of the page. There, you can verify that the payment method on file is correct and up-to-date, or add a new payment method.

What if I don’t pay?

A loan is just like financing a car or a house. There can be severe consequences for not staying current or fulfilling the terms of the loan.

Uplift reserves the right to report payment delinquencies of 30 days or longer to one or more consumer reporting agencies in accordance with applicable law.

We understand that there can be unexpected life events so we encourage you to call our Customer Service team and speak with us about your situation. We will do everything we can to help you.

Uplift Customer Service: (844) 257-5400.

How do I report fraudulent activity on my account?

Please contact fraud@uplift.com immediately.

You are protected from purchases made without your authorization. We understand how concerning this can be and we are committed to helping you resolve the situation.

To report fraudulent activity, please submit the following documentation:

FTC Identity Theft Affidavit – this form must be printed and notarized.
File a police report with your local jurisdiction.

Please send copies of both documents to Uplift via email at fraud@uplift.com or by mail to:
Uplift, Inc., 5301 Kietzke Lane, Suite 200, Reno, NV 89511

To report identity theft, please click here. https://forms.uplift.com/identityTheft.
To report card theft, please click here. https://forms.uplift.com/cardTheft

For information about how to protect yourself against identity theft and how to respond if it happens, visit the government website on identity theft.

Online account access.

How do I access my account?

Visit pay.uplift.com and use the mobile number associated with your account to sign in. We’ll text you with a passcode.

How can I see my loan details and payment history?

To see your loan details and payment history, sign in to your account at pay.uplift.com and click on the Loans tab.

How do I change the email, phone number, or address on my account?

To update your contact information, sign in to your account at pay.uplift.com.

I am not receiving any emails from Uplift.

If you aren’t getting any emails from Uplift, please check your ‘Spam’ or ‘Junk’ folder. If they aren’t in there, shoot us an email at support@uplift.com or give us a call at (844) 257-5400. We’re open 24 hours a day, seven days a week.

How can I update my form of payment on file?

Sign in to your account at pay.uplift.com and click on the Account tab. Under Manage Payment Methods, you can edit an existing payment method or add a new one.

We recommend that you connect your bank account- it’s a more reliable method than debit card payments.

How can I verify my identity?

If you need to verify your identity, please click here.

How can I submit an SCRA request?

To submit an SCRA request, please click here (https://forms.uplift.com/scra).

How do I report my Bankruptcy filing ?

To report bankruptcy, please click here.

How do I report the death of a borrower ?

To report the death of a borrower, please click here.

How installments work.

What type of installment loans are offered through Uplift?

Uplift offers no-interest and simple interest loans, which means that interest is paid only on the principal of the loan, and not on any interest from previous periods of the loan.

Are installment loans through Uplift fixed rate or variable rate?

All loans through Uplift are fixed-rate.

Can I use a co-borrower?

No. You cannot use a co-borrower.

How do I apply?

After completing my application and approving my installment loan, I noticed you charged me twice. Why am I seeing two payments?

Some banks show multiple items on your account for your first payment. The first charge you see on your account is a pre-authorization and should go away automatically without resulting in a charge. The second is the actual charge to your account.

If the items on your account persist for many days, please contact Uplift Customer Service at 844-257-5400. We’ll help you look into it.

What is a finance charge?

A finance charge is any fee paid to the lender for the cost of borrowing. This charge can include a one-time fee, such as an origination fee, or interest accrued on the loan amount. Uplift does not charge fees, only interest.

Can I negotiate the rate of my loan terms?

Loan terms are non-negotiable.

Can Uplift make an exception if I am not approved for an installment loan?

Unfortunately, we can’t make exceptions. Loan offers are based on your credit information, purchase details, and other factors.

Can I make changes to a purchase I made through Uplift?

If you need to make changes to your purchase, please contact the merchant directly. The changes may affect your loan balance.

Is this an installment loan?

Yes, all loans through Uplift are installment loans, which means you repay the loan over time with a set number of scheduled payments. Some plans include interest while some are interest-free. Your payments are the same amount over the life of the loan and you can pay off your loan at any time without paying a penalty or fee.

How do I accept my installment plan?

After you fill out a short application on the merchant’s website, you will see your offer displayed with terms and monthly payment amount if approved.

Click the “Confirm and complete purchase” button and then finish your checkout process on the merchant’s website.

Is it possible to refinance my installment plan?

No. We do not offer refinancing options.

I’m using Uplift to purchase a trip, do I need to be a traveler on the itinerary to apply?

No. The person applying for the loan may differ from the person traveling on the itinerary. When completing the application, include the information of the person to whom the loan will be issued.

Can I use Uplift for a purchase I already made?

Unfortunately, no. To apply for Uplift, you need to make a new purchase on one of our merchant partners’ websites.

Why wasn’t my application approved?

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.

My purchase was canceled, now what?

If you are expecting a refund for your purchase, please forward your refund confirmation to us at support@uplift.com. If you are expecting a credit or voucher, you can use those credits towards a future purchase. Simply continue making your monthly payments and use your credit voucher to make your next purchase when you are ready, based on your merchant provider’s guidelines.

How do I cancel/return my purchase?

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 balance of your loan. If you receive a 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.

I received a partial 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.

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

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