Is Lift Credit Personal Loans the right fit for you?
Last Updated: 04/18/2025
SuperMoney User Recommendation Score +32
Mostly recommended22 total votes
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Highlights
Community Rating
Mostly recommended
APR (Fixed APR)
99% - 450%(Verified 06/21/2024)
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Amount Range
$100 - $2,500
Loan Term (Months)
3 - 12
Number of Reviews
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 are available in 3 states.
Key Takeaways
- APRs starting at 99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Lift Credit Personal Loans are on the higher end of the spectrum.
- Fast access to funds. If approved, Lift Credit, LLC will send the money in as little as 24 hours.
- 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 FICO or VantageScore.
- Short loan terms. Lift Credit Personal Loans have loan terms as short as 3 months.
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?
Lift Credit does not disclose whether it charges late payment fees.
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. Lift Credit Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Driver's license or other government photo ID
- 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 fund loans within 1 to 7 business days of approval and clearing necessary verifications.
Does Lift Credit, LLC perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. Lift Credit allows you to check your rates with a soft credit pull.
Are Lift Credit Personal Loans legit?
Lift Credit, LLC was founded in 2012, it is a well-established company that has been in business for 14 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.
SuperMoney Disclosure: SuperMoney.com 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.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +32, or 3.6 on a 5-point rating scale.
+32
-1000+100
No one recommends
Everyone recommends
Lift Credit Personal Loans Community Reviews
Would you recommend Lift Credit Personal Loans to your friends?
U
Anonymous
May 16, 2019
May or may not recommend
Lift Credit offers fast, affordable loans. When in a bind, their customer service is amazing and allows for some great relief in a hard time, even if you have bad credit.
Walton F.
May 14, 2019
May or may not recommend
Lift Credit offers small loans that allows for some pretty nice relief when in a bind. The customer service is incredible.
AP
Anonymous P.
May 3, 2019
May or may not recommend
Lift Credit is a great company, the customer service is awesome.
JS
Jill S.
May 3, 2019
May or may not recommend
Great loans with quick approvals. I have been pleased with Lift Credit.
U
Anonymous
Oct 29, 2018
May or may not recommend
Best customer service hands down. I've never had any issues with them, and love that they don't check credit because mines not so good right now. lol. But any time I need help I know they've got my back and will always use them!!
U
Anonymous
Oct 4, 2018
May or may not recommend
They have always been there when I needed, very friendly and helpful. They lower there rates as you make on time payments is a plus.
U
Anonymous
Oct 1, 2018
May or may not recommend
Super friendly and quality service. 10/10 would recommend. Great way to get out of the PayDay cycle.
TS
Thomas S.
May 30, 2018
May or may not recommend
I had three successfully paid off loans with Lift and was told that I could get a loan anytime with them. I am disabled and receive disability income. When I needed a fourth loan I was told I didn't qualify- even though my income was EXACTLY the same as the loans they had approved. Avoid this company. They must have new management.
U
Anonymous
Feb 13, 2018
May or may not recommend
I have used this company 3 times. They offer good incentives with lower interest rates the more on time payments you make. They have helped out in a pinch with 1 day turn around. Also no penalties for paying off early.
U
Anonymous
Jan 20, 2018
May or may not recommend
I have been a customer for a couple of years and am always impressed not only with the ease of service and great rates, but also with how friendly and helpful anyone I have ever talked to is! You really make the stress of needing a loan much less stressful and comfortable.
Toby C.
Jul 29, 2017
May or may not recommend
I tried to get a loan . I jump threw all these hoops .and waited days just to hear back . I had to go on the website to find out i was deind a loan. Its bs .. they are a joke .dont waste your time if your really i need of help . They wont help you .
U
Anonymous
Mar 2, 2017
May or may not recommend
Lift Credit has saved my butt a few times and I think they are pretty great. Now let's all be honest here and say that a lot of us are applying for a loan because we don't have money and not because we are trying to build credit. That being said, I have no issue whatsoever with high interest rates, because they lower it every time you get a new ...Show More
U
Anonymous
Oct 13, 2016
May or may not recommend
At first it sounds good. Like improving your credit score and making easy payments. I had some hesitancy's, but I agreed to try. Then the electronic paper signatures would not come through to us on various emails or return to them correctly. After 5, not 1 or 2, 5 phone calls between my wife and i, it was completed. It should have been a RED flag right there. But they ...Show More
U
Anonymous
Oct 6, 2016
May or may not recommend
Fair, transparent and quick. What you see is what you get,
U
Anonymous
Sep 10, 2016
May or may not recommend
They say they can get you a lowest rate around but instead I was approved for a loan with 598% rate. Man screw that don't advertise then lie about the damn rate. Screw these guys if I could give no stars I would. My flipping car loan is at a 2.99% rate and that is on poor credit.
U
Anonymous
Sep 8, 2016
May or may not recommend
Great rates as far as payday companies go! Their application was easy to use and the money was in my account the next day
U
Anonymous
Aug 11, 2016
May or may not recommend
After you go through and fill out all the info.. for 2500 bucks.. you get rejected then the site wants to direct you too other possible lenders to filk out info again.. i really don't need my social and banking and occupation just flowing from one to another lender and have identity theft.. i would not try there loan ...Show More
U
Anonymous
Jul 8, 2016
May or may not recommend
This company is the BIGGEST rip off ever! The interest rates are out the roof! The application was easy and fast but getting a loan through them has been the biggest mistake!
U
Anonymous
Jul 6, 2016
May or may not recommend
so the top guy with the one star rating is somewhat true but an idiot, all this is stated within their contractual agreement and his wife must have bad credit if she's getting a car loan at 11.5% so there's that, decent loan amounts, decent rates, nothing much to complain about regarding lift
U
Anonymous
May 21, 2016
May or may not recommend
SCAM,SCAM . Lift Crédit advertises they offer lower interest rates than any payday lender. Lift credit tells you they offer loans to those who have poor and/or bad credit with interest rates from 99% to 299%. Lift credit also claims on average a 500 loan only cost the individual 50 some dollers. Lies. My wife does not have poor or bad credit. She just financed a car for 11.5 ...Show More
Showing 20 of 22 reviews
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