Uplift pat later how to guide

How to use Uplift to pay later

Do you need to make an unplanned travel-related purchase? Whether you need flights, hotel accommodations, tourist passes, or something else, Uplift has a wide range of travel and tourist partners that make their financing solutions ideal for trips.

As a buy now pay later (BNPL) service, Uplift is proud of its straightforward and flexible payment plans that are free of unpleasant surprises like debt traps and compound interest rates.

Let’s learn more about how to use Uplift.com to pay later for your travel expenses and their services.

About Uplift Pay Later

Founded in 2014, Uplift is a BNPL service that has an unusually high number of partners in the travel industry. Users can purchase airline tickets from the likes of Hawaiian Airlines and Lufthansa or book vacation packages with Contiki and Kayak. Like other BNPLs, Uplifts lets you buy and enjoy vacations now and pay for them later in fixed monthly payments.

Uplift can only be accessed through the checkout page of the brands they’ve partnered with.

Whether or not you’re charged interest is based on the brand you choose, your credit profile, and other factors.

If you get charged interest, Uplift relies on simple interest which is a great feature compared to credit cards and their compound interest rates. This makes knowing your monthly installments easier.

How To Use Uplift To Pay Later

Using Uplift is easy. All you need to do is:

  • Go to their official website and check out their partner brands.
  • Select a partner brand that you want to purchase from.
  • Click on the partner brand or visit their website directly.
  • Add products/services to your cart.
  • Go to their checkout page.
  • Select Uplift as your payment method.
  • Enter the information requested.
  • Select a payment plan according to your preference and budget.
  • Complete the purchase.

That’s it!

You can now pay for your purchase in monthly installments.

Uplift decides the terms of your loan based on your purchase details, credit information, and more. The approval process may be quick or take a while, so it’s advised to apply days before your trip.

Frequently Asked Questions About Uplift

Does Uplift do a credit check?

It depends.

Uplift performs a soft credit check on US and Canadian residents during their eligibility check. While that’s the only check for US residents, Canadian residents have to undergo a hard credit check when they apply for credit.

Soft credit checks won’t show up on your credit report, but hard credit checks will.

Will using Uplift affect my credit score?


Uplift reports timely payments to credit bureaus and helps you build credit. However, Uplift may also choose to report delinquent payments that remain unpaid for 30 days or more.

Do Uplift installments come with an interest?


Uplift installments utilize a simple interest plan with annual percentage rates (APR) between 0% and 36%.

Does Uplift charge late fees?


Uplift does not charge late fees. However, loan amounts that remain unpaid for 30 days or more will continue to accrue interest.

How do returns work with Uplift?

Uplift requests users to contact the merchant directly for any returns. If the merchant accepts the return and initiates a refund, Uplift will facilitate your refund.

Refunds are processed within 10 days after they are received from merchants. During processing, installments and interest accrue as scheduled.

In some cases, a merchant may deduct a cancellation fee or issue a credit instead of a refund. In such cases, the customer is responsible for paying the outstanding balance. If the outstanding balance is less than the amount refunded, Uplift sends it back to the customers’ chosen payment method.

Can I increase my credit limit with Uplift?

It depends.

Uplift determines your credit limit based on a lot of factors, one of which is your credit information. Making timely payments can improve your credit score which in turn improves your chances of getting approved by Uplift.

Can you pay Uplift with a credit card?


Uplift offers US-based customers the option to remit payments via their bank account, debit card, and checks. Canadian customers can pay via direct debit from their bank account and Visa/MasterCard virtual debit cards.

List of Uplift Partners To Get Started

Here’s a list of a few Uplift partners you can BNPL with:

  • Air Canada
  • Alaskan Dream Cruises
  • Alaska Airlines
  • Hawaiian Airlines
  • Atlantis
  • Aeroméxico
  • Caribbean Airlines
  • Epic Pass
  • Cruise One
  • Southwest Vacations
  • Ski.com
  • Sunset World
  • Signature Travel Network
  • FlowWall
  • SeaWorld Parks and Resorts

Uplift: Pros and Cons

Trying to decide if Uplift is right for you? Refer to our list of pros and cons to help you make the right decision.


  • No late fees
  • No prepayment penalties
  • Fixed installments
  • Great financing option for people with poor and zero credit
  • Quick application process
  • AutoPay feature
  • 30-day extension to make payments


  • Higher APR for poor credit scores holders
  • Not the best for emergency travel
  • Limited repayment options
  • Options are limited to partner brands
  • Can’t be used to pay for completed purchases
  • Submits credit reports
  • Partner brands have separate terms and conditions

Take Off With Uplift!

Uplift makes it easier for customers to finance trips and much-needed vacations.

Overall, Uplift is ideal for customers who have good credit ratings and who aren’t in a rush to travel. It’s essential to remember that this BNPL service charges higher APRs for those without a good credit history and approval can take a while.

While they have more travel-related partners than similar services, your destinations and vacations will be limited by their list of merchants.

So, take these factors into account when considering Uplift.

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