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Reviews 4.8.

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Very quick and easy approval process

Very quick and easy approval process. You get to choose several different payback options based on your budget. Uplift sends out reminders a couple days before your payment is due.

Date of experience : May 06, 2024

Me and my wife love it

It is a great application for people traveling and that cant pay right away Me and my wife love it specially we be traveling soon to celebrate our 40th wedding anniversary

Easy and affordable …

From the minute I started planning my vacation to the end , I did not encounter any issues with accomplishing my goal. My package fit right into my budget and I am looking forward to enjoying my trip.

Date of experience : April 26, 2024

Helped out at the right timing!

Really helped my husband and I to better plan for our upcoming cruise. Gave us that extra few months to pay for it vs the cruise line cutoff being a few months before departure. We are now able to pay down a recent emergency home expense without hesitation. We thank Uplift for allowing us the freedom to do so!

Date of experience : May 02, 2024

Uplift is an easy app to work with

Uplift is an easy app to work with. If you know you can not pay on the designated date you can move the date with no fees added which was very helpful. I recommend anyone to use uplift for any purchases that are offered.

Date of experience : May 05, 2024

Uplift has made an impossible booking…

Uplift has made an impossible booking flight possible. Because of uplift I am able to book flights with just a minimum amount and that is life changing.

The company is embedded in the purchase…

The company is embedded in the purchase process. No need to be redirected to another site is great. Also the company makes I known that there service may be an option at a good time during purchase of airline services. It saved me big time on my travel budget.

Date of experience : April 30, 2024

I really didn’t think I was going get…

I really didn’t think I was going get approved but I did and the terms were affordable and made it possible for me to go on a cruise and pay monthly and not have to pay for the cruise, airfare etc all at once. Uplift thank you for taking the struggle out of planning a much needed vacation and making it affordable and possible for families to go and enjoy vacations,

Easy and guaranteed timely

I used Uplift to complete my final cruise payment to ensure its timeliness. Twelve equal payments direct from my account @ 0.00% interest. No penalties.

Date of experience : May 04, 2024

Super easy to apply for and so appreciated the opportunity to make payments airfare. Because of uplift I could afford to see my son for Mother’s Day weekend 🤗thank you Uplift

I love using uplift.com

I love using uplift.com, it has always been user friendly. It helped me when I was in a little urgency and I needed to take care of some things right away. The payments are affordable, and the customer service has been great for me.

My experience is great do to the…

My experience is great do to the promptness of approvals and details provided on the status of my loans. Karen Mosley

I reported fraud

I reported fraud, they reviewed it and determined it was fraud. They said they would remove it in 3-5 day but instead 2 weeks later they had a delinquency report. No one will call me back. This company has no respect for the innocent. But they are sure in a hurry to loan money to any one who applies. Do not use this company, they are a legal scam artist. No it has been more than 3-5 day and not only is it still there. I HAVE NOW GOT A DELINQUENCY ON MY ACCOUNT BECAUSE OF UPLIFT.

Reply from Uplift

Hi Paul, Our team has been in touch to inform you that we have completed our investigation of your claim regarding the Uplift loan in question and are happy to confirm that our teams have worked to remove the remarks from your credit profile. Please consider your claim resolved and feel free to reach out to us if your have any further questions.

I have used uplift for years with…

I have used uplift for years with almost all of my vacation planning. Uplift had helped me take several vacations as well as make wonderful family memories!!!

Date of experience : April 22, 2024

I needed a small loan

I needed a small loan. I reached out to uplift and the next day I had the money in my account. They make it easy to pay back by setting up automatic payment from my account. Love working with uplift!

Easy way to vacation

What made my experience with uplift excellence is that I can have more financial control over how I vacation. I can easily afford trip I normally wouldn't go on because I easily oay over time.

Date of experience : May 03, 2024

Good idea. Right when it was time to pay for our vacation I saw this payment plan. On time considering everything is thats going on.

Uplift takes the stress out of last minute flight arrangements

Making last minute flight arrangements is stressful, and often expensive. Uplift eases the stress by making the costs manageable with installment payments.

We had an unexpected trip we needed to…

We had an unexpected trip we needed to take and with money being tight. Uplift with it’s monthly payment plan, made it possible for us to go.

helped me with getting my flight to…

helped me with getting my flight to colorado to see my air force son's promotion!

Uplift - Buy Now, Pay Later

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What You Need to Know About Uplift

A buy-now-pay-later service for travel

How Does Uplift Work?

Is there a credit limit.

• Does Uplift Affect Credit Score?

Does Uplift Charge Interest?

Is uplift safe, who accepts uplift.

• How Do Returns Work With Uplift?

How Do I Pay Uplift?

DaniloAndjus / Getty Images

You might not have heard of Uplift yet. But if you like to travel and you're a fan of increasingly popular buy-now-pay-later (BNPL) lenders , you probably will soon. 

Uplift has been combining both of these things—travel and BNPL loans—since 2014, but it's rapidly poised to grow as travel picks back up again after pandemic restrictions. According to a January 2021 company press release, it plans to handle more than $1 billion in transactions over the next 18 months.

Learn how Uplift’s installment plans work, which fees it charges, its interest rates, and what the purchase process is like. 

Uplift offers one product: installment loans with term lengths from three months to two years for purchases made with its travel partners. Uplift teams up with some of its partners to provide special travel offers, such as 0% APR loans. 

To use Uplift, you'll add your travel purchases to your cart and then apply for a loan through Uplift at checkout. 

You can use Uplift to purchase only travel you participate in, either alone or with other people. You can't use Uplift to pay for a trip someone else is taking without you. 

Is There a Minimum Purchase Size When Using Uplift? 

Yes. The minimum you can borrow is $100. 

Is There a Maximum Purchase Size When Using Uplift?

Yes. The maximum you can borrow is $25,000.

Do Products Bought With Uplift Ship After First Payment?

You're only able to make travel-related purchases with Uplift, so you won't really receive any products in the mail, per se. 

You can complete your travel before you finish paying off the loan, but you'll need to apply for the loan at least a few days before you plan to travel in order for the charge to be processed. Don't rely on Uplift if you need to travel today.

Can I Use Uplift to Pay Bills?

No. Uplift works for travel purchases only. 

Uplift loans don't have a set credit limit since each loan is a separate product. You can have more than one loan, but each one is considered on a case-by-case basis. 

Uplift does not offer prequalifications or rate checks. Instead, the only way to know whether you're approved for a loan is to apply for it during the checkout process. You don't have to accept the loan terms if you don't want to, and Uplift only does a hard credit check if you accept the loan. 

Does Uplift Affect Your Credit Score?

Not all BNPL lenders will check your credit, but some do. Here's where Uplift stands on the issue. 

Does Uplift Check Credit?

Yes. When you apply for a travel loan during checkout, Uplift will do a soft credit check to see if you're eligible for financing and check your identity. 

If you're approved and you click "proceed" with the loan, then Uplift will do a hard credit check . This one can ding your score by a few points but remains on your credit report for 12 months, in some cases.

Does Uplift Report Your Activity to Credit Bureaus?

Yes. Unlike some other BNPL lenders, Uplift reports your payments to the credit bureaus . This means you can use Uplift loans to help build credit as long as you make on-time payments. 

What Credit Score Do You Need to Use Uplift?

Uplift declined to say what credit score is required for approval. But in general, the better your credit score, the better your chances of approval. 

In addition to your credit score, Uplift considers other factors when you apply for a loan, such as the timeline of your travel. 

If Uplift denies your application, it will send you a letter explaining why. 

Yes, Uplift charges 0% to 36% APR and uses simple interest rather than compound interest . The average rate for loans is 15% APR, though travel partners such as Allegiant and Carnival offer 0% promotions, according to a company representative. 

Generally, the more creditworthy you are, the better the rates you may qualify for. If you have good credit, Uplift may be a cost-effective way to get a loan. But if your credit score isn't the greatest, an Uplift loan with a 36% APR can be quite expensive.

For example, the average credit card interest rate for people with bad or fair credit was around 24% in 2021, according to The Balance’s research. If you opt for a personal loan instead, it'll be cheaper still—the average interest rate on a 24-month personal loan was between 9% and 10% during the same period, according to the Federal Reserve.

Does Uplift Charge Fees?

Yes, a small number of loans may have a 2% origination fee that’s rolled into the loan. However, Uplift doesn't charge prepayment penalties or late fees.

Yes. Uplift is trusted by some of the largest companies in the travel industry, so you should feel confident that your purchase is as safe as anywhere else. 

However, using services like Uplift may cause you to overspend, especially if you have good credit and can qualify with ease. Also, Uplift’s BNPL program may tempt you to make purchases that throw you off track for your long-term goals, like saving up for a house or an emergency fund. 

That said, Uplift can be a good choice if you absolutely need to travel and you're confident you can pay back what you borrow. If you need to travel for your last chance to see a family member, for example, Uplift absolutely can be a good option because of how it splits up payments over time. It can also be a good choice if you can qualify for 0% APR financing and you're looking to build credit, too. 

As of 2020, Uplift partnered with more than 100 travel brands, including:

• Royal Caribbean
• Southwest Airlines
• Universal Orlando
• United Airlines
• CheapCaribbean.com
• Secrets Resorts & Spas

Because its travel partners are pretty diverse, Uplift can offer financing for hotel stays, cruises, airline tickets, rental cars, and attractions.

How to Use Uplift Online

There's only one way to use Uplift:

• Visit a travel partner, which you can find listed on Uplift's directory .
• Choose which purchases you want to make and add them to your cart.
• When checking out, select "Uplift" from the payment options.
• Enter in your information, such as your name and the last four digits of your Social Security number. 
• If you're approved, Uplift will show you a range of payment plans to choose from.
• Pick which plan you like, and then complete your purchase.

Unlike some BNPL lenders, Uplift does not offer an app or a way to make purchases at non-partner stores with a digital card number. 

How to Use Uplift in Stores

Since Uplift is focused on one area—travel purchases—you can generally only use it online. You may be able to use it in certain offline cases, too, such as through Uplift's travel advisor partners or call centers. 

How Do Returns Work When Using Uplift?

If you request a refund from the merchant or if your trip is canceled, a few things can happen. 

Your ability to get your money back is always subject to the merchant's own refund policies. A merchant can choose to deny your refund if it's outside of the scope of the merchant’s cancellation policies, so you should read these carefully before you make a purchase. If the merchant allows refunds, you'll either get a credit or voucher you can use for future travel, or the merchant sends a cash refund to Uplift. 

If the merchant opts for a cash refund, Uplift will credit your loan with the amount of the refund. It can take up to 90 days for this to happen, so you may still be paying on your loan for quite some time after it's canceled. If that refund wipes out your balance and there's still money left, Uplift will refund you the remaining money. 

But—and this is important—if the merchant gives you a voucher for future travel, you still must pay back your Uplift loan. You can use this voucher to book travel later and it'll likely be paid off by then, but it can be a bummer to be paying for travel that you can't use yet.

Uplift recommends sending to support@uplift.com a copy of the email that confirms your refund. 

If you're in the United States, you have two options for how to pay:

• ACH transfer from your bank 

If you're in Canada, you can pay using these two methods:

• Direct debit from a bank account
• Visa or Mastercard virtual debit card

When you sign up for your loan, Uplift will ask you to link your payment method and sign up for autopay. You don't have to agree to autopay, but it's always a good idea to do this for any debt so that you don't miss any payments. Otherwise, you'll need to remember to log in each month and make your payment. 

Uplift is also unique in that it requires monthly payments. In comparison, many other BNPL lenders require biweekly payments. 

What Happens If I Don’t Pay Uplift?

Uplift doesn't charge late fees, but there are plenty of other reasons why you'll want to make your payments on time. 

If more than 30 days pass since your last payment, your Uplift loan will continue to accrue interest, making it more expensive to pay off. Uplift may blacklist you from getting another loan through them again and may also report your late payments to the credit bureaus, which can damage your credit score .

Uplift. " Buy Now, Pay Later Travel Leader Uplift Raises $68M in Credit Financing to Support Rapid Growth in Anticipation of 2021 Travel Industry Rebound ."

myFICO. " Credit Checks: What Are Credit Inquiries and How Do They Affect Your FICO Score ?"

Board of Governors of the Federal Reserve System. " Consumer Credit - G.19 ."

Uplift. " Buy Now, Pay Later Travel Leader Uplift Raises $68M in Credit Financing to Support Rapid Growth ."

Uplift. " Payments and Refunds ."

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Table of Contents

What is Uplift buy now, pay later?

Which airlines offer financing through uplift, how uplift works for travel, should you use buy now, pay later for travel, alternatives to uplift, if you’re interested in using uplift to pay for travel.

Many travelers want to book vacations, but with inflation and surging demand affecting the price of airline tickets, rental cars and other household expenses, sometimes they simply don't have the money. Instead of carrying a balance on high-interest rate credit cards, some are turning to buy now, pay later options like Uplift to finance their travel.

Here's a look at how Uplift buy now, pay later works, when you should or shouldn’t use it and what other alternatives exist for financing a trip.

Uplift is one of the buy now, pay later options available to finance purchases of clothes, household goods, travel and more. BNPL allows you to spread the cost of purchases across multiple payments.

These financial technology — or fintech — companies generally offer easier credit than traditional credit cards or personal loans. Some don't pull a hard inquiry from your credit report, which means that signing up won't affect your credit score.

Uplift doesn't charge any fees to customers, including late fees or prepayment penalties. However, depending on your purchase and credit history, you may pay interest between 0% and 36%. Uplift charges simple interest on its loans, which means it doesn't charge interest on top of interest.

» Learn more: Factors that affect your credit score and how to improve them

When booking your flight, you’ll notice that many airlines offer BNPL financing through Uplift or one of its competitors. Uplift is currently available for use on many U.S. and international airlines.

Here are a few of the major airlines that offer financing through Uplift:

Air Canada.

Alaska Airlines.

Allegiant Airlines.

Frontier Airlines.

Hawaiian Airlines.

Southwest Airlines.

Spirit Airlines.

United Airlines.

Delta Air Lines and American Airlines use a different BNPL service called Affirm.

Here's how to book your flight using Uplift:

Find a participating airline .

Choose your travel dates, departure city and destination as usual.

Select the flight that meets your needs.

Enter traveler(s) details.

At the payment screen, select Uplift as your payment method.

Enter your personal details and click "check my rate."

You’ll be presented with several payment options, including higher and lower monthly payments. Choose the payment plan that works best for you.

Complete your purchase.

How to apply for Uplift financing

The application process is quick and easy. After selecting Uplift as your payment method during checkout, you’ll provide basic personal information like your name, mobile number and date of birth. If you are a U.S. citizen, you must also provide your Social Security number. Then, you'll receive an instant credit decision.

Depending on your credit history, purchase details, repayment term and other factors, you may or may not pay interest on your purchase. Uplift interest rates vary between 0% and 36%.

Uplift will send email and text reminders when a payment is due. You'll make payments at Uplift.com according to the plan that you selected — loan proceeds go to the airline from Uplift.

Automatic payments are available to ensure that all of your payments are made on time. If you don't authorize this, you'll need to make each monthly payment manually. You can also pay off your balance early without incurring prepayment penalties.

Even if you don't have a flight to purchase, some of Uplift's partners allow customers to pre-qualify ahead of time. This will give you a good idea of how much you can afford through its buy now, pay later financing.

» Learn more: Tips for traveling without a credit card

While many people view BNPL loans as a good way to finance purchases, they may not be a wise choice. The loans can make it easy to get into debt, and the recurring payments can quickly overwhelm your budget.

Here are some reasons you may want to skip financing with a BNPL loan:

Cannot travel immediately. Because the payment process between Uplift and the airline isn't immediate, you must wait a few days between booking your flight and when you travel. For travelers who are in a hurry, BNPL financing may not work.

Fees add up. Though Uplift advertises itself as a fee-free service, other BNPL apps may charge fees. Depending on the size of your purchase, BNPL fees may be more than the interest charges from other options, like a credit card or personal loan.

No flexibility with payments. When you make a BNPL purchase, there’s a predefined repayment schedule that you must adhere to. You cannot extend your repayment schedule or refinance your payments through Uplift. Payments are usually more than the minimum payment due on a credit card. If you can’t make the BNPL payment, some lenders charge a late fee. In most cases, you can’t make any additional purchases until your account is brought current.

Credit limits can be much lower. Many BNPL apps offer financing without the traditional hard credit check and underwriting that credit cards require. Because of that, credit limits tend to be lower than many credit cards.

Doesn't earn rewards. Most BNPL loans don't earn rewards like a credit card when paying for your flights. This makes it harder to earn miles, points or cash back toward your next vacation.

No travel benefits. Travel credit cards also include other benefits that BNPL apps don't include, such as trip interruption or cancellation insurance, delayed/lost baggage protection and trip delay reimbursement.

Not all airlines accept BNPL apps. The roster of airlines that accept BNPL financing is growing, but not all airlines currently participate. Among the major U.S. airlines, only American Airlines doesn't offer BNPL financing. Alaska, Delta, Frontier, JetBlue, Southwest and United all offer some form of buy now, pay later payment options.

» Learn more: How travel credit cards work

While buy now, pay later loans are growing in popularity, they aren't always the best option when booking a flight. These payment alternatives to Uplift may be a better option for your situation:

Pay with your existing credit card. While you may pay a higher interest rate, credit card minimum payments are fairly low. Because of this, you'll have more flexibility with your monthly minimum payments over a loan through Uplift.

New credit card 0% APR offer. If you need extra time to pay off your purchase without incurring interest, a 0% APR credit card is an excellent option.

Get a personal loan. A personal loan offers a fixed payment schedule. Lenders who do traditional underwriting may offer a lower interest rate than a company like Uplift that does a quick credit check.

Apply for peer-to-peer lending. Peer-to-peer lending platforms are a good option for consumers with fair credit.

» Learn more: Best 0% APR and low interest credit cards

BNPL lenders like Uplift enable customers to pay for their flights over time without using their credit cards. Depending on your credit and purchase details, you may qualify for 0% financing on your purchase.

While BNPL financing can be attractive, remember that you won't earn additional rewards like you would when using a credit card. Additionally, these purchases don't have the same benefits and protections as a credit card, and won’t offer insurance for trip cancellation, lost bags or a trip delay. Consider all of the factors before deciding if using Uplift or BNPL loans are right for you when booking your next flight.

Yes, you can pay for someone else's flight using Uplift. You don't have to be on the trip to use this payment method.

No, you may travel even if your balance isn't paid off. This flexibility is actually one of the main benefits of using Uplift buy now, pay later financing. The main caveat, however, is that you should allow a few days between your purchase and travel dates so that the application and payment process can be completed.

If your plans change and you need to cancel the flight, the first step is to contact the airline. The airline will process the cancellation and, if you are eligible for a refund, the airline will notify Uplift. Your account will be updated when the cancellation is fully processed. Travelers who aren't eligible for a refund are still responsible for paying the outstanding balance on their Uplift account.

Yes, you can use Uplift to finance multiple purchases at a time. Uplift looks at several factors, including your credit information and existing BNPL loans, before approving each request. Note that approval by Uplift in the past doesn't guarantee your next application will be approved.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1.5%-5% Enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Up to $300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

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Financing Powered by Uplift FAQs

• 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.  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.
• Loans made through Uplift are offered by these lending partners: http://uplift.com/lenders . 
• You can apply for an Uplift loan at the time you make your booking or any time there after up to 11 days prior to your cruise departure. 
• Financing through Uplift is not a line of credit. After a guest’s application is approved and the guest accepts a loan through Uplift, additional charges (related to price increases or pre-cruise add-ons) cannot be added. 
• However, any eligible guest is welcome to have multiple active payment plans through Uplift at any given time, each up to a total amount of $15,000USD.  Each time a guest applies to use Uplift, Uplift looks at a number of factors including the guest’s credit information, purchase details, current loan activity, and more. Approval in the past does not guarantee future approvals.
• At this time, financing through Uplift is available to Carnival guests for purchases made prior to cruise departure. This includes add-ons such as Carnival Vacation Protection (CVP), Fly2Fun, prepaid gratuities, etc.*.  Financing powered by Uplift is only available for pre-cruise purchases. 
• Yes. Carnival guests may use Uplift for Carnival vacations ranging in total cost between $100 - $15,000USD.
• Yes. In the event that two or more guests are traveling under a single booking, Financing powered by Uplift may be applied as a form of payment for a portion of the booking. 
• Carnival guests can be approved for monthly payment plans through Uplift for Carnival vacations ranging in total cost between $100 - $15,000USD (including add-ons such as CVP,  gratuities, air, etc.*). Eligibility is based on a number of factors, including the guest’s credit information, purchase details, and more. 
• No. The current Uplift application process requires that one, specific total amount (between $100 - $15,000USD) be defined when a guest’s application is submitted. 
• Guests wishing to change the total value of their application may restart their application for a payment plan through Uplift using a lower or higher total amount any time prior to accepting/confirming a loan (the very last step in the application). 
• When full or partial refund is processed by Carnival using normal cancellation procedures, Uplift will receive the refund and will apply it to the guest’s remaining loan balance. If the amount due to the guest exceeds any remaining balance due to Uplift, Uplift will issue a refund to the guest’s form of payment on file. This process typically takes 2-4 business days after Uplift receives funds from Carnival. 
• If a guest receives a Future Cruise Credit rather than a refund or is assessed a cancellation penalty, they will still be responsible for the outstanding balance.
• Please see Carnival’s Terms of Use for the most up to date Refund Policy.
• 75% ‘Any Reason’ CVP Refunds: Refunds are typically issued in the form of FCC (‘Future Cruise Credit’). Guests should contact Uplift to inquire about possible payment re-arrangements that may be available. Please note that Uplift does not accept Future Cruise Credit (‘FCC’) -- or any form of cruise line credit (Onboard Credit - ‘OBC’ or ‘NROBC’) as a form of payment on existing loan balances. 
• 100% Qualifying Reason: Guests typically receive refunds in the form of an electronic or mailed check following a qualifying 100% refund claim. Guests should contact Uplift to inquire about possible payment re-arrangements that may be available (ex. temporary payment delay while awaiting an approved refund to be issued or arrive). 
• No. Carnival Agents can assist guests who wish to finance part of a Carnival Vacation. The amount financed, including taxes/fees and any add-ons or extras, must be between $100 - 15,000USD.
• No. There are no prepayment penalties associated with any Financing Powered by Uplift plan. 
• Yes. Eligible guests may apply Uplift as a form of payment to any ‘final payment’ or ‘balance due’ following a deposit on their Carnival vacation -- provided that the balance, including taxes/fees, add-ons or extras, is between $100 - 15,000USD.
• Yes. Uplift Pay Monthly may be used for add-ons and extras prior to sailing -- such as Carnival Vacation Protection (CVP), Fly2Fun, prepaid gratuities and more. Guests may add extras on to their cruise fare in one application (up to $15,000) or apply for another payment plan through Uplift to finance any extras and add-ons after booking the cruise-only portion of their vacation. Extras/Add-ons are those items that can be added to the overall booking related costs (i.e. Carnival Vacation Protection (CVP), Fly2Fun, prepaid gratuities, etc.*).   
• Every application has a maximum value limit of $15,000USD. However, any guest (individual) may have multiple active loans through Uplift at any given time.  Each time a guest applies to use Uplift, Uplift looks at a number of factors including the guest’s credit information, purchase details, current loan activity, and more. Approval in the past does not guarantee future approvals.
• Uplift's application for approval involves a soft credit check, which requires a few basic guest details including full name, date of birth, mobile phone number, and the last four digits of their Social Security Number.
• The last four digits of a guest's Social Security Number are used to verify their identity and determine their eligibility. A guest's full social security number will be required to take a loan, as required by federal banking law.
• When entering the last four digits and complete Social Security Number, guests do so privately and securely. 
• Eligible guests can book their cruise with $0 down, followed by as many as 18 interest-free payments * .
• Guests who qualify will be presented with a 0% APR financing option during the application process.
• Eligibility is based on a number of factors, including guest's credit information, purchase details, and more.

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Pay for your flight with Uplift

Feel good about where you fly and how you pay for it. With Uplift, you can book your trip now and pay for it over time with budget-friendly monthly payments.

Low monthly payments

Budget-friendly loan options.

Easy application

Receive a quick decision.

No surprises

That means no late fees, no prepayment penalties.

Automatic payments

So you don't have to remember due dates either.

How Uplift works

Step 1: Select Uplift at checkout

Shop for your trip on our website or app like you normally do and select Uplift as your payment method at checkout.

Step 2: Complete a quick application

Provide a few pieces of information and receive a quick decision without ever leaving the payment page.

Step 3: Enjoy your trip

Relax knowing you can travel now and pay for it over time with low monthly payments.

Frequently asked questions

What is uplift.

Uplift gives you the freedom to purchase travel now and pay over time with simple monthly payments. Some plans include interest while some are interest-free.

How do I apply?

Shop for your flights like you normally would. Then, select Uplift as your payment method at checkout. You’ll complete a short application and receive a quick decision letting you know if you’ve been approved. You can choose the terms of your plan before you complete checkout and enjoy your trip.

How is my loan term offer determined?

Uplift looks at a number of factors, including your credit information, purchase details and more.

How do I make installment payments?

You can make a payment anytime by visiting pay.uplift.com and selecting the “Loans” tab. From there, select the "Make a Payment" button.

Uplift recommends you enable AutoPay at the time of purchase so your payments are automatically deducted from your bank account each month. You can enable AutoPay on the "Accounts" page on pay.uplift.com. You can also update your payment method here at any time.

Can I travel before paying off my trip with Uplift?

Yes! You do need to allow a few days between booking your trip and departure for things to process. Other than that, you are free to travel whenever—even before you’re all paid off.

Where can I find Uplift’s Privacy Policy and Terms of Use?

Here is the Privacy Policy and Terms of Use for Uplift.

Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 0% to 36%. Not everyone is eligible. Loans made through Uplift are offered by their lending partners . Privacy Policy and Terms of Use . Uplift’s address: 440 N Wolfe Road, Sunnyvale, CA 94085

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How do I apply?

Shop for your items and add them to your cart like you normally would. When you are ready to check out, 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.

How are my loan offers determined?

We look at a number of factors, including your credit information, purchase details, and more.

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 .

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.

What is your Privacy Policy and Terms of Use?

Here is a link to our Privacy Policy and Terms of Use .

Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 0% to 36%. Minimum $49 purchase required. Not everyone is eligible. Loans made through Uplift are offered by these lending partners:  uplift.com/lenders. Privacy Policy and Terms of Use .

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Travel Cancellations due to COVID-19

We are very sorry your travel was disrupted by the unprecedented impact from COVID-19.  We’re confident that travel will eventually return to normal. In the meantime, we want to help you understand how cancellations affect your loan with Uplift.

Canceled trips result in either a refund or a credit voucher .  Only your travel provider can issue a refund or a credit voucher .  

A refund will be applied to the balance of your Uplift loan.  If you would like your loan reduced by the amount of your refund you need to request a refund from your travel provider.

For a  refund , you must contact your travel provider directly and request a refund to the original form of payment . Many travel providers have an online refund request form.  Below are links to some of our travel provider’s refund request forms.

Please note, some travel providers take up to 90 days to process refunds.  Uplift will send you an email notification as soon as we receive your refund from the travel provider.

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 that was originally charged.

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.  We will automatically stop your payments when the loan is paid in full.

If you prefer a credit voucher or your travel provider is only able to offer a credit voucher, your loan with Uplift remains the same. Simply continue making your monthly payments and use your credit voucher to rebook your travel when you are ready – based on your travel provider’s guidelines.

Online Refund Request Forms:

Royal Caribbean

Norwegian Cruise Line – Refund request form will be available from June 8, 2020 – June 19, 2020

United Airlines

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