Frequently Asked Questions

Use the simple online application. You’ll get an immediate response. Email us at hello@upliftloans.com or you can call us at 1(888)747-9091

• 21 years old or older
• Income is received via Direct Deposit
• Income is deposited into a traditional checking account that allows ACH deposit/withdraws
• Benefit & Employed: Average monthly income $1,500 (after taxes)
• Self-employed: Average monthly income $3,000 (after taxes)
• Reside in one of our lending states

Federal law (USA Patriot Act) requires us to obtain, verify and record information that identifies each person who opens an account. This helps the government fight the funding of terrorism and money laundering activities. To process your application, we must have your name, street address, date of birth and other identifying information and may ask for additional documents as well. You will also be asked to verify your banking and employment information.

No, all fees are clearly itemized in the loan payment schedule. When the final payment is made, your account is paid in full.

For first-time applicants, head to our website, complete the application, and if pre-qualified, you’ll receive a credit limit indicating the maximum potential borrowing amount upon approval. Returning customers can access their available credit limit by logging into the customer portal or inquire about their available options by reaching out to our customer service team.

Yes, a traditional checking account that permits ACH deposits and drafts is a prerequisite for securing a loan from Uplift Loans. This requirement ensures the secure deposit of funds into your account and facilitates the establishment of automatic payments for your convenience. Have your bank information available before proceeding to your loan application.

You will receive emails and texts that update the funding status of your loan. If you need additional information, you may contact a team member to inquire about the funding status of your loan.

To check your loan payment schedule:
Log into the customer portal and look for the payment schedule. This option will give you a complete picture of every due date on your contract.

For each day that your payment is not received, your account will accrue additional interest as indicated according to the terms of your loan agreement. If your payment is late, we may also assess a late fee as disclosed in your agreement.

Yes, save on interest and fees by paying off your loan at any time before the due date.

Options to payoff your loan:

• Contact us: you may call and use the automated system, or speak to an Uplift Loans team member.
• Online payments: log into your customer portal and choosing the payment option available.

If you encounter difficulties, promptly contact us for assistance. Verify all information and ensure sufficient funds for the payment.

With an already established Uplift account, you simply log-in and request funds. On approval, your money is deposited into your checking account.

To update your information with Uplift Loans, please follow these steps:

• Portal
• To protect your privacy contact the Uplift Loans customer service team via phone, email, text, or chat, and provide your first and last name, along with the last four digits of your social security number to locate your account.
• Inform the agent of your request to update your information, such as email, address, bank information and debit card number, and provide the new details.
• A verification process may be required to ensure the accuracy of the updated information.

If you have any further questions or concerns, please feel free to contact our customer service team for assistance.

APR, or Annual Percentage Rate, is the total cost of a loan expressed as an annual rate. It includes the interest rate and any additional fees, providing a comprehensive measure of the loan’s total cost. Lenders must disclose the APR to enable borrowers to compare loan offers effectively, promoting transparency and informed decision-making.

Bank verification is an electronic process enabling customers to securely log into their bank accounts through our platform. This process allows the bank to furnish a 90-day transaction history, crucial for verifying the accuracy of provided banking details, determining average monthly income, pay frequency, and evaluating the overall capability to manage the loan successfully.

An ACH (Automated Clearing House) payment is a form of electronic bank-to-bank transaction, facilitating the transfer of funds between bank accounts without involving card networks, wire transfers, paper checks, or cash. It serves as an electronic payment system widely employed for direct deposits, bill payments, and online transfers.