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 is offered in 3 states across the USA.

What rates and terms does Lift Credit Personal Loans offer?

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

What fees does Lift Credit Personal Loans charge?

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

Applicants with a credit score of at least 300 and up to 640 are eligible 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

What is the estimated funding time for a personal loan via Lift Credit Personal Loans?

Lift Credit Personal Loans will typically approve (or deny) a loan application within 2 hours and fund personal loans within 7 business days of approval.