Uplift Travel Loans Review | Compare Loan Options | Credit Raters us-lenders

Uplift Travel Loans Reviews

Once in a while, it’s good to treat yourself out for a vacation. But I understand that budget can be a huge hindrance as it will undoubtedly cost you a fortune of your savings. If the budget is what is preventing you from taking some time off your daily routine, then you may want to consider getting a travel Loan from Uplift.

The loan gives you the opportunity to go out on a vacation even if you don’t have enough savings to pay for it. It partners with travel providers to help you pay for hotels, flights, car rentals, and much more. The repayment terms are also very friendly, so you won’t have a hard time repaying off the loan. But it’s a good idea if you already have some savings as you’ll have to pay for a down payment.

To understand more about Uplift Travel Loans, here is an in-depth review of its key features, costs, and requirements.


The costs associated with the loans are favorable compared with regular short term loans from other online lenders. What’s different is that you’ll have to pay for a down payment of around 11% of the total vacation costs you are financing.

The specific terms that you’ll be offered will depend on the travel provider you will book your vacation with. As for the repayment terms, you have up to 0.9 years to repay the loan. Here is a summary of the loan details;

  • Loan amount – $500 to $15,000
  • Minimum credit score – 500
  • APRs – 4. 01% to 35.99%
  • Origination fee – 2 %
  • Repayment term – 0.9%
  • Down payment – 11% of the total amount borrowed
  • Interest type – Fixed

Key features

Uplift works with travel providers such as American Airlines, Spirit Vacations, and Vacation Express to finance vacation services. It only partners with a few travel providers, which may not be convenient for most people.

And unlike most personal loans that come with stringent eligibility criteria, with UpLift, the requirements are super easy to meet. There is no income requirement, and you only need to have a credit profile of 500 and above.

While taking this travel loan won’t make your vacation cheaper, it makes the overall vacation expenses much easier to handle. Instead of the usual vacation where you have to pay for everything upfront, here, you pay for a vacation monthly, which makes vacation loans affordable.

Furthermore, this travel loan is also a good idea if you already have some savings and only need a little help. You can stretch your budget further by getting this loan – as low as $500 up to $15,000. It allows you to travel even before paying off the trip.

The interest rates and repayment terms are also among the best in the industry today. But don’t get too excited about it and end up borrowing more than you can repay. Uplift reports your credit history to credit bureaus, which can hurt your credit if you don’t make payments on time.

On the other hand, you can use this opportunity to build your credit profile by making on-time payments. Also, you won’t be charged anything for paying your loan balance before the due date.

Other upsides and downsides of using this travel plan include;


  • Large financing amounts – from $500 to $15,000
  • Competitive repayment terms
  • No prepayment penalties
  • Offers an affordable way to pay for a vacation
  • Easy application process


  • You have to pay a down payment of 11% of the vacation value
  • Less repayment period – up to 0.9%
  • Limited travel partners


Who is Uplift Travel Loans best for?

This travel loan is right for you if you already have some savings and only need a little help to make the most out of your vacation. Also, since you’ll have to repay the loan, it’s best if you have a good income.

Is it a wise decision to take out an Uplift Travel Loan?

While most people may not consider a vacation loan as a good debt, taking out a travel loan is a great way to plan for a dream vacation as long as you don’t overspend. You should, however, be aware of the interest rates. Only take out a loan that you will be able to repay comfortably.

Who are Uplift partners?

The following are some of the active travel partners and agents that you can book your vacation with;

  • American Airlines Vacations
  • Southwest Vacations
  • Funjet Vacations
  • Spirit Vacations
  • Universal Orlando Vacations
  • United Airlines Vacations
  • Vacation Express
  • Vacatia
  • Kayak
  • Carnival
  • com
  • Norwegian Cruise Line
  • ReservHotel
  • Royal Caribbean Cruise Lines
  • Southwest
  • com
  • Southwest Vacations
  • Wincruise
  • Volaris
  • Sunwing
  • SkyTours
  • CA
  • Allegiant
  • Apple Vacations
  • AM Resorts
  • Beachbound
  • Cruises.com

Eligibility Criteria

To qualify for this travel loan, you must meet a few requirements, including;

  • Be a US permanent residence or Citizen
  • Be 18+ years old
  • Flight must originate in the US for all air travel financing
  • Have a credit score of 500+

State Availability

All US states are eligible to apply for a travel loan with UpLift except for West Virginia.

Customer support

For any inquiries, you can reach out to the Uplift customer support team at 844-257-5400. As well, you can write to them at support@uplift.com. The team is friendly and will respond to all your queries timely.

Application process

The application process is easy and straightforward. Since Uplift is a network of travel providers, the application may vary based on the travel provider you choose to work with.

To apply, follow the following steps;

Step 1 – Visit one of the Uplift Travel partner’s website application page.

Step 2 – Select the desired hotel, flight, or vacation packages you wish to book.

Step 3 – Select the Uplift Pay Monthly option and proceed to Checkout.

Step 4 – Provide the required information about yourself, including your name, last 4 digits of your Social Security, and your annual income.

Step 5 – Your request will be processed within a few seconds, and you’ll be notified whether or not you’ve been approved.

Step 6 – If you’re approved, you will be given a loan offer. If you accept it, you will be required to provide your full Social Security Number and payment information.


Uplift has made more than 300,000 vacation dreams come to reality. As long as you stay within reasonable limits, getting this travel loan could also be the missing link to your dream vacation.

But as with any loan, only take what you are confident that you’ll be able to pay comfortably. You don’t want to hurt your finances for a luxurious deal you can live without.