#1 Uplift Review: The Good, The Bad, and The Bottom Line

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Financing your travel plans can be a challenge, especially when the cost of your trip exceeds your budget. Are you dreaming of your next vacation but hesitant to pay for it all upfront? Uplift may have a solution.

As a lending platform for travel purchases, Uplift allows you to spread the cost of your trip over time with fixed monthly payments and interest rates.

But is Uplift the right financing option for your needs? In this review, we’ll examine Uplift’s loan terms, the application process, customer service, and more, so you can determine if it’s a suitable choice for your travel financing requirements.

What is Uplift and What Does It Do?

Uplift is an online lending company that provides loans to consumers for travel expenses such as flights, hotels, and vacation packages. 

It partners with various travel companies, including airlines, resorts, cruise lines, and online travel agencies, to offer loans to customers at the time of purchase. Uplift’s loans come with fixed monthly payments and interest rates, so customers can budget for their travel expenses and avoid surprises.

Unlike credit cards, which may have high-interest rates or require a credit check, Uplift’s loans have predictable costs and don’t require a hard credit inquiry. With Uplift, you can finance trips up to $25,000 with terms up to 24 months, depending on the travel partner and the purchase amount.

Eligibility Requirements for Uplift

  • You must be a U.S. citizen or permanent resident.
  • You must be at least 18 years old
  • Must meet the credit and income requirements for the specific loan product
  • For travel loans, must be booking a trip with a Uplift partner travel provider

Loan Terms and Interest Rates

Uplift offers fixed interest rates for their point-of-sale installment loans, which can range from 0% to 36% APR. The loan terms can range from 3 to 24 months, and the loan amount can range from $100 to $25,000.

However, it’s important to note that the actual interest rate, loan term, and loan amount can vary depending on various factors, such as your creditworthiness, loan purpose, and other factors. Additionally, Uplift charges an origination fee of 2% for some loans.

Customers can choose from a variety of payment options and manage their loans online through Uplift’s website or mobile app. It’s important for borrowers to review the terms and costs of the loan carefully before accepting it, to ensure that it fits within their budget and financial goals.

Additionally, Uplift offers a variety of payment options, including automatic payments, manual payments, and early payment options. Customers can also manage their loans through the Uplift website or mobile app, making it easy to stay on top of their payments and account information.

Application Process

The company’s technology platform integrates with travel provider websites, enabling customers to see loan options and apply for financing at the point of sale.

Customers can visit the company’s website or apply at the point of sale with one of Uplift’s travel provider partners.

To apply for a loan, you’ll need to provide some personal information, such as your name, address, and date of birth. You may also need to provide employment information and details about your travel plans, including the travel partner, the purchase amount, and the travel dates. Uplift will then evaluate your application and provide an instant decision. 

Uplift uses proprietary algorithms and data analytics to evaluate loan applications and determine whether or not to approve a loan. If the loan is approved, the customer will receive a loan offer with a fixed interest rate and repayment terms.

Uplift’s Reputation and Customer Reviews

BBB ratingA
BBB customer reviews3.01 out of 5 stars, based on 147 customer reviews
Trustpilot Score2.8 out of 5 stars, based on 424 customer reviews
Customer reviews updated as of1 April 2023

Uplift has an A rating from the Better Business Bureau (BBB) and has been accredited by the organization since 2017. However, the company’s consumer reviews on BBB are mixed, with a rating of 3.01/5 based on 147 reviews. Customers have complained about issues such as no refund for cancelled flights, account verification errors, poor customer service, and complications with partnership companies. 

On Trustpilot, Uplift has a 2.8-star rating out of 424 reviews. The company has received mixed feedback from customers, with some citing a smooth application process and helpful customer service, while others have complained similar issues as ones from the BBB.

Uplift Inc Partnerships

Airline PartnersCruise Line PartnersResort Partners
United AirlinesNorwegian Cruise LineHyatt
American AirlinesCarnival Cruise LineMarriott
Southwest AirlinesRoyal Caribbean InternationalHilton
Alaska AirlinesPrincess CruisesAccor
Frontier AirlinesAmerican Queen VoyagesCaesars Entertainment
Spirit AirlinesAtlas Cruises & ToursAtlantis, Paradise Island
JetBlue AirwaysCheapCruisesKarisma Hotels & Resorts

To get a full list of companies in partnership with Uplift Inc. Check here.

Customer Service

Uplift has a customer support team that is available by phone and email. They can answer questions about your loan, help you make payments, and provide assistance if you need to change your travel plans. Some customers have reported positive experiences with Uplift’s customer service team, while others have reported delays or difficulty reaching a representative. 

You can reach out to Uplift’s customer support with the following contact:

support@uplift.com

844-257-5400

Uplift Pros and Cons

Like any financing option, Uplift has both pros and cons. Some of the advantages of Uplift include the predictable interest rates and fixed monthly payments, which can help customers budget for their travel expenses. Additionally, Uplift doesn’t require a hard credit inquiry, so it may be a good option for customers with less-than-perfect credit.

Uplift Cons

However, some of the disadvantages of Uplift include the potential for high-interest rates or shorter loan terms, depending on the travel partner and purchase amount. Additionally, some customers have reported difficulty reaching Uplift’s customer service team or confusion about the loan terms and conditions.

Uplift vs. Other Travel Financing Options

One way to evaluate Uplift is to compare it to other travel financing options. Below is a table showing how uplift fair between its competitors.

Lending PlatformAPR RangeLoan TermsLoan AmountCredit ScoreBBB RatingTrustpilot Rating
Uplift0-36%3-36 months$100-$25,000550+A2.8/5 stars
Affirm0-36%3-36 months$50-$17,500640+A+2.6/5 stars
Klarna0-29.99%6-36 monthsUndefinedNoneA+3.9/5 stars
Afterpay0% to 35.99%2 weeks$2000NoneA+4.8/5 stars
Sezzle5.99% – 29.99%3-48 months$40,000NoneA+4.4/5 stars

Note: APR range and loan terms may vary depending on the borrower’s creditworthiness and other factors.

The Bottom Line

Uplift offers a unique lending solution for travelers who are looking to finance their trips. With loan terms ranging from 3-36 months and loan amounts from $100-$25,000, Uplift provides borrowers with the flexibility to choose a loan that best fits their needs.

However, borrowers should know that Uplift’s APR rates can be higher than other lending platforms. Additionally, Uplift’s customer reviews on BBB and Trustpilot indicates that some borrowers have experienced issues with canceled flights, payment denials, poor customer service, and communication issues.

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