Our verdict
Uplift offers a buy-now, pay-later (BNPL) service that lets you travel now and pay later. To use the service, you must book through one of its partner sites, which includes many airlines and cruise companies. Rates range from 0% to 36% APR – this is as high as some credit cards, but without the benefits of rewards or cash back. But Uplift only does a soft credit check and can be a good option if you don't want to use cards or cash to pay for travel.Best for: Travelers with good credit who need to finance their next trip.
- Travel while making payments
- No late fees or prepayment penalties
- Borrowers with credit scores of 550 or higher are eligible
- High maximum APR of 36%
- Limited selection of travel partners
- May require a down payment
I live in WV and when I go to apply at the end of my vacation package its states not eligible in WV. Is this true?
Hi Amanda,
Thanks for reaching out to Finder.
Yes, it’s true. Unfortunately, Uplift is not authorized to do business in West Virginia due to regulatory practices.
If you want to learn more information about regulatory lending practices in West Virginia, you may contact your state securities regulator.
I hope this helps.
Cheers,
Charisse
Does Uplift report payments to the major credit bureaus?
Than you,
Randy
Hi Randy,
Thanks for reaching out to Finder.
Yes, Uplift will report accurate payment status on a monthly basis to the credit bureau, although they did not give specific information which credit bureau(s) they report to.
They also reserve the right to report partial or late payments of 30 days or longer to consumer reporting agencies in accordance with applicable law.
I hope this helps.
Cheers,
Charisse
Can you have more than one UpLift loan at a time?
Hi Carol,
Thanks for reaching out to Finder.
Yes. UpLift allows you to have more than one active loan however, credit restrictions may apply and all loan approvals are credit dependent at the time of your application.
I hope this helps.
Cheers,
Charisse