Lift Credit

Lift Credit

in Personal Loans from Lift Credit


Lift Credit


in Personal Loans from Lift Credit

SuperMoney Net Recommendation Score +17% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Mostly recommended

10 users recommend
1 user is unsure
7 users don't recommend
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Community Rating Mostly recommended
Loan Amount $100 - $2,500
APR (Fixed APR) 99% - 450%
Loan Term (Months) 3 - 12
Number of Reviews 18

Lift Credit Review

Lift Credit is a personal loan offering by Lift Credit, a direct lender based in Provo, UT. Founded in 2012, Lift Credit offers access to personal loans in 3 states across the USA.

What rates and terms does Lift Credit offer?

Lift Credit has higher interest rates than the average for lenders reviewed on SuperMoney.

What personal loan APRs does Lift Credit offer?

Lift Credit offers a fixed APR personal loan product that ranges from 99% APR up to 450% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

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.

Lift Credit Rates & Terms
Loan Amount $100 - $2500
Loan Term 3 - 12 months
APR 99% - 450%

What fees does Lift Credit charge?

Does Lift Credit charge an origination fee?

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.

Lift Credit Fees
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee N/A

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
Lift Credit Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Joint Applications Accepted? Yes
Credit Score 300 - 640

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.

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  • Headquarters
  •   3585 N University Ave Ste 300
    Provo, UT 84604 USA
  •   Visit Site

About Lift Credit


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  Available in 3 states
  • Idaho
  • Utah
  • Wisconsin

Feature Breakdown

No Prepayment Fee  
Minimum Age 18
Credit Score Range 300 - 640
Immigration Status Considered
  • U.S. Permanent Resident
Minimum Annual Income $15,600
Military Status
  • Non-Military
  • Veterans
Joint Loan Applications Accepted
  • Individual Applications
Verification Documents Required
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $100 - $2.5K
Loan Term (Months) 3 - 12
APR (Fixed APR) 99% - 450%

Lift Credit Community Reviews


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