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Easy and Simple Online Installment Loans, Whenever You Need Them.

Online Installment Loans that Lift you Higher

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Lift Credit provides same day, installment loans to residents in Utah, Idaho, Nevada and Missouri. Regardless of credit standing, we offer significantly lower rates than payday lenders—giving a financial solution to those who need it most.

Affordable Payments

With Lift Credit, online installment loans are personally designed to be paid back over time with simple, easy payment schedules that work for you.

Apply Online in Minutes

You don’t always have time to go to a physical location or wait for them to open. With Lift Credit you can apply 24/7.

Same Day Approval

Once approved, we safely and securely deposit up to $5,000 directly into your bank account, giving you quick access to funds.

Doesn't Affect FICO

Applying does NOT affect your personal FICO®️ Credit Score, so now you have one less thing to worry about when applying for an online installment loan.

What Our Customers Are Saying About Lift Credit's Personal Installment Loans

Lift Credit is a leader in online installment loans since 2012, and has processed more than 100,000 loan applications. We pride ourselves on great customer service to help individuals with poor credit or no credit.

With our proprietary underwriting model, we help customers obtain installment loans online, even those declined credit from traditional banks and credit card providers.

Applying with Lift Credit will not affect your credit score, and allows our great customers to obtain a new start in their credit journey.

Click the “APPLY NOW” button to start your loan application. Most customers complete the easy application within 5 minutes or less. Your online installment or personal loan generally arrives as early as the next business day!

Rewards Program†

Earn points to be used for gift cards to your favorite stores making on-time payments!

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See what our recent customers are saying!

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Lift Credit is a direct lender for residents of Utah, Idaho, Missouri and Nevada. Lift Credit uses alternative credit data and application information as part of their underwriting process. Lift Credit does not approve all applications or credit extension requests. A decision on a customer application or credit extension request may take longer if additional verification or documents are required. Approval and loan terms differ based on applicant qualifications and by state. Rates, terms, and conditions apply. Applications approved before 5:00 p.m. MT Monday-Friday are generally funded the next business day. Approved applications during other times are generally funded with loans approved the following business day. If Lift Credit is unable to approve your application, we may attempt to connect you to a lender in our network that may better be able to assist you.
 
For all other states: Lift Credit is not a lender and does not make loans or credit decisions.  We are not an agent or broker of any lender. We provide a service that aims to connect you to a lender in our network. We are not responsible and have no control over lenders’ actions/decisions. Lenders in our network may require additional documentation which may require faxing documents or in physical storefront locations. Upon applying, a lender in our network may run credit inquiries, use consumer reports or other alternative credit information. Failure to make your payments on time may result in extra fees, interest or penalties and Lift Credit cannot control this.
 

Notice: High-Interest loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into a loan agreement.

*Nevada Customers: Lift Credit may use credit report information provided by credit bureaus as part of the application process to determine your creditworthiness. Credit inquiries upon applying for a loan will NOT appear as a hard credit inquiry on your credit report and therefore they will not affect your FICO score. There are many factors that affect a credit score, on-time payments may help to increase your credit score, along with many other factors.

†Declining Rates and Cash Back Rewards Program not offered in all states.

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