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Where does Lift Credit do business?
Lift Credit is a direct lender based in Provo, UT. Founded in 2012, Lift Credit offers access to personal loans in 3 states across the USA.
What personal loan APRs are offered via Lift Credit?
Lift Credit offers a fixed APR personal loan product that ranges from 99% up to 450% APR.
Does Lift Credit charge an origination fee?
Yes, Lift Credit charges a loan origination fee.
Does Lift Credit charge a late fee?
Yes, Lift Credit may charge borrowers a late payment fee
Does Lift Credit charge prepayment fees?
No, Lift Credit does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.
How much can you borrow via Lift Credit?
Loan amounts start at $100 and go up to $2,500.
What can a personal loan from Lift Credit be used for?
Personal loans from Lift Credit are typically used for special purchases, debt consolidation, home improvement projects, weddings, unexpected expenses or similar purposes.
What is the maximum loan term you can get with Lift Credit?
Lift Credit offers personal loans with terms ranging from 3 to 12 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
What do you need to qualify for a loan with Lift Credit?
Applicants with a credit score of at least 300 can apply for a loan via Lift Credit . The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.
To qualify for a Lift Credit loan, applicants need a minimum annual income of $15,600 or higher.
Active duty servicemembers and their covered dependents cannot apply for a loan via Lift Credit. The Military Lending Act prohibits lenders from charging servicemembers more than a 36% APR.
To qualify, applicants may need to provide the following documentation:
- Driver's license
- Proof of citizenship or residence permit
- Recent pay stubs
What is the estimated funding time for a personal loan via Lift Credit?
Lift Credit will typically approve (or deny) a loan application within 2 hours and fund personal loans within 7 business days of approval.
3585 N University Ave Ste 300
Provo, UT 84604 USA
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|No Prepayment Fee|
|Credit Score Range||
300 - 640
850 300 640
|Immigration Status Considered||
|Minimum Annual Income||$15,600|
|Joint Loan Applications Accepted||
|Verification Documents Required||
|Loan Amount||$100 - $2.5K|
|Loan Term (Months)||3 - 12|
|APR (Fixed APR)||99% - 450%|