Lift Credit Personal Loans
| 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 |
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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.
| 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.
| 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
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| 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.
Contact
- Headquarters
-
3585 N University Ave Ste 300
Provo, UT 84604 USA - (800) 223-5858
- Visit Site
- Email Support
About Lift Credit Personal Loans
Availability
- Idaho
- Utah
- Wisconsin
Lift Credit Personal Loans Community Reviews
Would you recommend Lift Credit Personal Loans to your friends?
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