FAQs | Uplift

How Uplift works.

What is Uplift?

Uplift gives you the freedom to purchase what you want now and pay over time with fixed installments. Shop on any of our merchant websites and when you’re ready to checkout, just select “Uplift” as your payment method, complete a short application, and receive an instant decision. Find partners who offer Uplift.

How do I apply for installment payments 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. You’ll need to provide some basic information like your mobile number and the last four digits of your social security number to apply. If you’re approved, finish checking out and you’re done.

What is the advantage of using Uplift vs. a credit card?

Credit cards charge interest on interest, Uplift charges only simple interest. It’s hard to understand costs when using a credit card if the consumer is carrying a balance. Uplift finance costs are clear at the time of the purchase with no hidden fees or late payment penalties. Uplift makes it easy to budget and pay for a purchase over time rather than paying upfront and then carrying the full cost for an extended period.

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.

Payments & refunds.

How do I make installment payments?

You can make a payment anytime by visiting the Borrower’s Portal 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 the Borrower’s Portal.

How do I enable automatic monthly payments?

To enable automatic monthly payments for your loan, simply log in to the Borrower’s Portal, go to the Account page and set the AutoPay toggle to ON.

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

Sign in to your account in the Borrower’s Portal 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.

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

Due to Covid-19, it is taking up to 90 days for merchants to issue refunds back to Uplift. It may take up to 14 days for Uplift to process your refund once we receive it from the merchant. If you receive a refund for more than the balance owed, we will apply the full amount to your loan balance and 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 (i.e. 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. 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.

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, call Customer Service at (844) 257-5400.

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 installments work.

What type of installment plans are offered through Uplift?

Uplift offers no-interest and simple interest payment plans, 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 plans through Uplift fixed rate or variable rate?

All Uplift installment loans have fixed-rate interest.

Can I use a co-borrower?

No. You cannot use a co-borrower.

How do I submit my application?

Applications for installment loans through Uplift are offered directly on our partner merchant websites. When you are ready to checkout, choose Uplift as your method of payment. You will automatically be prompted to fill out an application.

Frequently asked questions.

How Uplift works.

Payments & refunds.

Online account access.

How installments work.