Lift Credit Personal Loans
Lift Credit Personal Loans
in Personal Loans from Lift Credit, LLC

Lift Credit Personal Loans

in Personal Loans from Lift Credit, LLC
SuperMoney Net Recommendation Score +32  


This product is mostly recommended by SuperMoney users with a score of +32, equating to 3.6 on a 5 point rating scale.


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.

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Spotloan 24 reviews
Community Rating Mostly recommended
APR  (Fixed APR) 99% - 450%
Loan Amount $100 - $2,500
Loan Term (Months) 3 - 12 months
Number of Reviews 22

Lift Credit Personal Loans Review

Lift Credit Personal Loans is offered by Lift Credit, LLC, a direct lender founded in 2012 and based in Provo, UT. Lift Credit Personal Loans are available in 3 states across the USA.

Key Takeaways

  • APRs starting at 99%. Personal loan interest rates typically range between 5% and 36%. The starting rates for Lift Credit Personal Loans are on the higher end of the spectrum.
  • Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
  • Small-dollar loans. Lift Credit Personal Loans has a maximum loan amount of just $2,500.
  • Prequalified rate. You can check your prequalified rate at Lift Credit, LLC with a soft pull that will not affect your credit score.
  • Short loan terms. Lift Credit Personal Loans have loan terms as short as 3 months.
  • Minimum income of $15,600. You will need an annual income of at least $15,600 to apply for Lift Credit Personal Loans, which is below average for the lenders in our database

Lift Credit Pros & Cons

Pros Cons
  • $0 prepayment fee.
  • Considers applicants with fair credit.
  • Funding available within 1 business day.
  • APRs as high as 450%.
  • Charges an origination fee.
  • Short loan terms (maximum of 12 months).
  • Small loan amounts (maximum of $2,500).
  • Lift Credit Personal Loans does not report to credit bureaus.
  • Charges a late fee.

Lift Credit FAQ

What interest rates and personal loan terms does Lift Credit offer?

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

What interest rates does Lift Credit offer?

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

How much can you borrow via Lift Credit?

Personal loan amounts start at $100 and go up to $2,500.

What is the maximum loan term you can get with Lift Credit?

Lift Credit offers loans with terms of up to 12 months.

Lift Credit Interest Rates & Loan Terms
Personal 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 may charge a personal loan origination fee.

Does Lift Credit charge a late fee?

No, Lift Credit will not charge you a late fee if you miss one of the monthly payments.

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 personal loan off early.

Lift Credit Fees
Origination Fee No
Prepayment Fee No
Late Payment Fee No

What do you need to qualify for Lift Credit Personal Loans?

The minimum age to be eligible is 18 or the state minimum, whichever is higher.

To qualify for personal loans with Lift Credit Personal Loans, applicants need a minimum annual income of $15,600 or higher.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the Lift Credit Personal Loans product fall outside of the MLA limits, and as a result, the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

To qualify, applicants may need to provide the following documentation:

  • Recent pay stubs
  • Driver's license
  • Proof of citizenship or residence permit
Lift Credit Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Application Types Accepted
  • Individual Applications
  • 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 loans within 7 business days of approval.

    Is Lift Credit, LLC a legit company?

    Lift Credit, LLC was founded in 2012, it is a well-established company that has been in business for 11 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.

    SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
    Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


    About Lift Credit Personal Loans


      Available in 3 states
    • Idaho
    • Utah
    • Wisconsin

    Feature Breakdown

    No Prepayment Fee
    Immigration Status Considered
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Individual Applications
    Military Status
    • Non-Military
    • Veterans
    Minimum Age 18
    Minimum Annual Income $15,600
    Verification Documents Required
    • Driver License (or other photo ID)
    • Proof of citizenship/residence (Green Card)
    • Recent Pay Stubs
    Credit Score Range 300 - 640
    APR Type Fixed APR
    Loan Amount $100 - $2,500
    APR (Fixed APR) 99% - 450%
    Loan Term 3 - 12 months

    Lift Credit Personal Loans Community Reviews


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    This product is mostly recommended by SuperMoney users with a score of +32, equating to 3.6 on a 5 point rating scale.


    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.

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