![]() A credit card may be a good alternative to Uplift if your APR is higher than 20%.This may not always be possible - especially if you need to make an emergency trip - but it is the least expensive option. Savings should always be your first choice to avoid paying interest.Although using Uplift makes travel much more affordable, it can still be more expensive than saving up or using a credit card. In fact, it could be the wrong choice if you don’t have firm plans or don’t qualify for a low APR on your loan. You can contact Uplift by phone or email, and it frequently responds to customer complaints on its Trustpilot page.Ī travel loan isn’t always the right choice. It has a secure website and a privacy policy that covers how your information is collected and used. Uplift is a legitimate service that allows you to borrow for your vacation - and it works with top travel partners across the US. But even if your refund is a travel credit or gift certificate, you need to continue to make payments. If the travel provider gives you a cash refund, then you can use that to make payments on your loan. ![]() Much like a credit card, you must pay back Uplift even if you aren’t able to travel. You still need to pay for canceled trips and changed plans ![]() Payments more than 30 days late may be reported to Equifax, which could damage your credit. If you know you won’t be able to make a payment, notify Uplift at least three days before the due date to request a 15-day grace period to prevent a late payment. And since there are no prepayment penalties, you could save on interest if you pay your loan off before its due date. Uplift also allows you to make manual payments on its website by signing in to your account. Monthly payments are automatically withdrawn from the debit or credit card you have on file - and Uplift sends you both email and text reminders before each withdrawal. Interest starts to accrue as soon as you receive your financing. Payments are made automatically through Uplift You can view Uplift’s full list of partners on its website. Enter the amount you need to borrow, how long you expect to be paying off the loan in the term field and your potential interest rate to see your monthly payment. You can use our calculator to gauge how much your travel might cost when financed through Uplift. If you have good to excellent credit, you may be able to score an APR close to its minimum of 0%, making it much less expensive than most credit cards. ![]() While Uplift accepts borrowers with bad credit, you’re unlikely to qualify for a competitive rate. Pricing is based on your credit score and the cost of your travel package, among other factors.
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