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How it Works

1

Online Application

  • 5 Minutes Online
  • Upload Documents
  • Verify Information

Begin by completing our online application in about 5 minutes or less. Be prepared to provide documentation of your two most recent pay stubs, as well as complete a quick identity verification check through the Lift Credit Customer Portal.

2

Loan Approval

  • 30 Min Response Time
  • Customized Payments
  • Deposited in 24 Hours

A Lift Credit loan processor can generally review your information within 30 minutes of receiving your application during business hours. Because our loans are designed to be paid back over time in a way that works best for you, we will set up a payment plan that fits with your financial situation and income schedule. Our loan experts are qualified to approve loans up to $5,000 that can be direct deposited the next business day.

3

What to Expect

  • Fast Customer Service
  • Low Rates
  • Cashback Rewards

We know how stressful money management can be. That’s why we offer fast and reliable customer service and on-time payment rewards throughout the duration of your loan. We offer declining rates, as well as earning 1% of the interest you pay for every on-time payment.† Receive cash back or choose from our catalog of gift cards.

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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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