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Table of Contents

What is Uplift buy now, pay later?

Which airlines offer financing through uplift, how uplift works for travel, should you use buy now, pay later for travel, alternatives to uplift, if you’re interested in using uplift to pay for travel.

Many travelers want to book vacations, but with inflation and surging demand affecting the price of airline tickets, rental cars and other household expenses, sometimes they simply don't have the money. Instead of carrying a balance on high-interest rate credit cards, some are turning to buy now, pay later options like Uplift to finance their travel.

Here's a look at how Uplift buy now, pay later works, when you should or shouldn’t use it and what other alternatives exist for financing a trip.

Uplift is one of the buy now, pay later options available to finance purchases of clothes, household goods, travel and more. BNPL allows you to spread the cost of purchases across multiple payments.

These financial technology — or fintech — companies generally offer easier credit than traditional credit cards or personal loans. Some don't pull a hard inquiry from your credit report, which means that signing up won't affect your credit score.

Uplift doesn't charge any fees to customers, including late fees or prepayment penalties. However, depending on your purchase and credit history, you may pay interest between 0% and 36%. Uplift charges simple interest on its loans, which means it doesn't charge interest on top of interest.

» Learn more: Factors that affect your credit score and how to improve them

When booking your flight, you’ll notice that many airlines offer BNPL financing through Uplift or one of its competitors. Uplift is currently available for use on many U.S. and international airlines.

Here are a few of the major airlines that offer financing through Uplift:

Air Canada.

Alaska Airlines.

Allegiant Airlines.

Frontier Airlines.

Hawaiian Airlines.

Southwest Airlines.

Spirit Airlines.

United Airlines.

Delta Air Lines and American Airlines use a different BNPL service called Affirm.

Here's how to book your flight using Uplift:

Find a participating airline .

Choose your travel dates, departure city and destination as usual.

Select the flight that meets your needs.

Enter traveler(s) details.

At the payment screen, select Uplift as your payment method.

Enter your personal details and click "check my rate."

You’ll be presented with several payment options, including higher and lower monthly payments. Choose the payment plan that works best for you.

Complete your purchase.

How to apply for Uplift financing

The application process is quick and easy. After selecting Uplift as your payment method during checkout, you’ll provide basic personal information like your name, mobile number and date of birth. If you are a U.S. citizen, you must also provide your Social Security number. Then, you'll receive an instant credit decision.

Depending on your credit history, purchase details, repayment term and other factors, you may or may not pay interest on your purchase. Uplift interest rates vary between 0% and 36%.

Uplift will send email and text reminders when a payment is due. You'll make payments at Uplift.com according to the plan that you selected — loan proceeds go to the airline from Uplift.

Automatic payments are available to ensure that all of your payments are made on time. If you don't authorize this, you'll need to make each monthly payment manually. You can also pay off your balance early without incurring prepayment penalties.

Even if you don't have a flight to purchase, some of Uplift's partners allow customers to pre-qualify ahead of time. This will give you a good idea of how much you can afford through its buy now, pay later financing.

» Learn more: Tips for traveling without a credit card

While many people view BNPL loans as a good way to finance purchases, they may not be a wise choice. The loans can make it easy to get into debt, and the recurring payments can quickly overwhelm your budget.

Here are some reasons you may want to skip financing with a BNPL loan:

Cannot travel immediately. Because the payment process between Uplift and the airline isn't immediate, you must wait a few days between booking your flight and when you travel. For travelers who are in a hurry, BNPL financing may not work.

Fees add up. Though Uplift advertises itself as a fee-free service, other BNPL apps may charge fees. Depending on the size of your purchase, BNPL fees may be more than the interest charges from other options, like a credit card or personal loan.

No flexibility with payments. When you make a BNPL purchase, there’s a predefined repayment schedule that you must adhere to. You cannot extend your repayment schedule or refinance your payments through Uplift. Payments are usually more than the minimum payment due on a credit card. If you can’t make the BNPL payment, some lenders charge a late fee. In most cases, you can’t make any additional purchases until your account is brought current.

Credit limits can be much lower. Many BNPL apps offer financing without the traditional hard credit check and underwriting that credit cards require. Because of that, credit limits tend to be lower than many credit cards.

Doesn't earn rewards. Most BNPL loans don't earn rewards like a credit card when paying for your flights. This makes it harder to earn miles, points or cash back toward your next vacation.

No travel benefits. Travel credit cards also include other benefits that BNPL apps don't include, such as trip interruption or cancellation insurance, delayed/lost baggage protection and trip delay reimbursement.

Not all airlines accept BNPL apps. The roster of airlines that accept BNPL financing is growing, but not all airlines currently participate. Among the major U.S. airlines, only American Airlines doesn't offer BNPL financing. Alaska, Delta, Frontier, JetBlue, Southwest and United all offer some form of buy now, pay later payment options.

» Learn more: How travel credit cards work

While buy now, pay later loans are growing in popularity, they aren't always the best option when booking a flight. These payment alternatives to Uplift may be a better option for your situation:

Pay with your existing credit card. While you may pay a higher interest rate, credit card minimum payments are fairly low. Because of this, you'll have more flexibility with your monthly minimum payments over a loan through Uplift.

New credit card 0% APR offer. If you need extra time to pay off your purchase without incurring interest, a 0% APR credit card is an excellent option.

Get a personal loan. A personal loan offers a fixed payment schedule. Lenders who do traditional underwriting may offer a lower interest rate than a company like Uplift that does a quick credit check.

Apply for peer-to-peer lending. Peer-to-peer lending platforms are a good option for consumers with fair credit.

» Learn more: Best 0% APR and low interest credit cards

BNPL lenders like Uplift enable customers to pay for their flights over time without using their credit cards. Depending on your credit and purchase details, you may qualify for 0% financing on your purchase.

While BNPL financing can be attractive, remember that you won't earn additional rewards like you would when using a credit card. Additionally, these purchases don't have the same benefits and protections as a credit card, and won’t offer insurance for trip cancellation, lost bags or a trip delay. Consider all of the factors before deciding if using Uplift or BNPL loans are right for you when booking your next flight.

Yes, you can pay for someone else's flight using Uplift. You don't have to be on the trip to use this payment method.

No, you may travel even if your balance isn't paid off. This flexibility is actually one of the main benefits of using Uplift buy now, pay later financing. The main caveat, however, is that you should allow a few days between your purchase and travel dates so that the application and payment process can be completed.

If your plans change and you need to cancel the flight, the first step is to contact the airline. The airline will process the cancellation and, if you are eligible for a refund, the airline will notify Uplift. Your account will be updated when the cancellation is fully processed. Travelers who aren't eligible for a refund are still responsible for paying the outstanding balance on their Uplift account.

Yes, you can use Uplift to finance multiple purchases at a time. Uplift looks at several factors, including your credit information and existing BNPL loans, before approving each request. Note that approval by Uplift in the past doesn't guarantee your next application will be approved.

How to maximize your rewards

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on Capital One's website

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What You Need to Know About Uplift

A buy-now-pay-later service for travel

How Does Uplift Work?

Is there a credit limit.

• Does Uplift Affect Credit Score?

Does Uplift Charge Interest?

Is uplift safe, who accepts uplift.

• How Do Returns Work With Uplift?

How Do I Pay Uplift?

DaniloAndjus / Getty Images

You might not have heard of Uplift yet. But if you like to travel and you're a fan of increasingly popular buy-now-pay-later (BNPL) lenders , you probably will soon. 

Uplift has been combining both of these things—travel and BNPL loans—since 2014, but it's rapidly poised to grow as travel picks back up again after pandemic restrictions. According to a January 2021 company press release, it plans to handle more than $1 billion in transactions over the next 18 months.

Learn how Uplift’s installment plans work, which fees it charges, its interest rates, and what the purchase process is like. 

Uplift offers one product: installment loans with term lengths from three months to two years for purchases made with its travel partners. Uplift teams up with some of its partners to provide special travel offers, such as 0% APR loans. 

To use Uplift, you'll add your travel purchases to your cart and then apply for a loan through Uplift at checkout. 

You can use Uplift to purchase only travel you participate in, either alone or with other people. You can't use Uplift to pay for a trip someone else is taking without you. 

Is There a Minimum Purchase Size When Using Uplift? 

Yes. The minimum you can borrow is $100. 

Is There a Maximum Purchase Size When Using Uplift?

Yes. The maximum you can borrow is $25,000.

Do Products Bought With Uplift Ship After First Payment?

You're only able to make travel-related purchases with Uplift, so you won't really receive any products in the mail, per se. 

You can complete your travel before you finish paying off the loan, but you'll need to apply for the loan at least a few days before you plan to travel in order for the charge to be processed. Don't rely on Uplift if you need to travel today.

Can I Use Uplift to Pay Bills?

No. Uplift works for travel purchases only. 

Uplift loans don't have a set credit limit since each loan is a separate product. You can have more than one loan, but each one is considered on a case-by-case basis. 

Uplift does not offer prequalifications or rate checks. Instead, the only way to know whether you're approved for a loan is to apply for it during the checkout process. You don't have to accept the loan terms if you don't want to, and Uplift only does a hard credit check if you accept the loan. 

Does Uplift Affect Your Credit Score?

Not all BNPL lenders will check your credit, but some do. Here's where Uplift stands on the issue. 

Does Uplift Check Credit?

Yes. When you apply for a travel loan during checkout, Uplift will do a soft credit check to see if you're eligible for financing and check your identity. 

If you're approved and you click "proceed" with the loan, then Uplift will do a hard credit check . This one can ding your score by a few points but remains on your credit report for 12 months, in some cases.

Does Uplift Report Your Activity to Credit Bureaus?

Yes. Unlike some other BNPL lenders, Uplift reports your payments to the credit bureaus . This means you can use Uplift loans to help build credit as long as you make on-time payments. 

What Credit Score Do You Need to Use Uplift?

Uplift declined to say what credit score is required for approval. But in general, the better your credit score, the better your chances of approval. 

In addition to your credit score, Uplift considers other factors when you apply for a loan, such as the timeline of your travel. 

If Uplift denies your application, it will send you a letter explaining why. 

Yes, Uplift charges 0% to 36% APR and uses simple interest rather than compound interest . The average rate for loans is 15% APR, though travel partners such as Allegiant and Carnival offer 0% promotions, according to a company representative. 

Generally, the more creditworthy you are, the better the rates you may qualify for. If you have good credit, Uplift may be a cost-effective way to get a loan. But if your credit score isn't the greatest, an Uplift loan with a 36% APR can be quite expensive.

For example, the average credit card interest rate for people with bad or fair credit was around 24% in 2021, according to The Balance’s research. If you opt for a personal loan instead, it'll be cheaper still—the average interest rate on a 24-month personal loan was between 9% and 10% during the same period, according to the Federal Reserve.

Does Uplift Charge Fees?

Yes, a small number of loans may have a 2% origination fee that’s rolled into the loan. However, Uplift doesn't charge prepayment penalties or late fees.

Yes. Uplift is trusted by some of the largest companies in the travel industry, so you should feel confident that your purchase is as safe as anywhere else. 

However, using services like Uplift may cause you to overspend, especially if you have good credit and can qualify with ease. Also, Uplift’s BNPL program may tempt you to make purchases that throw you off track for your long-term goals, like saving up for a house or an emergency fund. 

That said, Uplift can be a good choice if you absolutely need to travel and you're confident you can pay back what you borrow. If you need to travel for your last chance to see a family member, for example, Uplift absolutely can be a good option because of how it splits up payments over time. It can also be a good choice if you can qualify for 0% APR financing and you're looking to build credit, too. 

As of 2020, Uplift partnered with more than 100 travel brands, including:

• Royal Caribbean
• Southwest Airlines
• Universal Orlando
• United Airlines
• CheapCaribbean.com
• Secrets Resorts & Spas

Because its travel partners are pretty diverse, Uplift can offer financing for hotel stays, cruises, airline tickets, rental cars, and attractions.

How to Use Uplift Online

There's only one way to use Uplift:

• Visit a travel partner, which you can find listed on Uplift's directory .
• Choose which purchases you want to make and add them to your cart.
• When checking out, select "Uplift" from the payment options.
• Enter in your information, such as your name and the last four digits of your Social Security number. 
• If you're approved, Uplift will show you a range of payment plans to choose from.
• Pick which plan you like, and then complete your purchase.

Unlike some BNPL lenders, Uplift does not offer an app or a way to make purchases at non-partner stores with a digital card number. 

How to Use Uplift in Stores

Since Uplift is focused on one area—travel purchases—you can generally only use it online. You may be able to use it in certain offline cases, too, such as through Uplift's travel advisor partners or call centers. 

How Do Returns Work When Using Uplift?

If you request a refund from the merchant or if your trip is canceled, a few things can happen. 

Your ability to get your money back is always subject to the merchant's own refund policies. A merchant can choose to deny your refund if it's outside of the scope of the merchant’s cancellation policies, so you should read these carefully before you make a purchase. If the merchant allows refunds, you'll either get a credit or voucher you can use for future travel, or the merchant sends a cash refund to Uplift. 

If the merchant opts for a cash refund, Uplift will credit your loan with the amount of the refund. It can take up to 90 days for this to happen, so you may still be paying on your loan for quite some time after it's canceled. If that refund wipes out your balance and there's still money left, Uplift will refund you the remaining money. 

But—and this is important—if the merchant gives you a voucher for future travel, you still must pay back your Uplift loan. You can use this voucher to book travel later and it'll likely be paid off by then, but it can be a bummer to be paying for travel that you can't use yet.

Uplift recommends sending to support@uplift.com a copy of the email that confirms your refund. 

If you're in the United States, you have two options for how to pay:

• ACH transfer from your bank 

If you're in Canada, you can pay using these two methods:

• Direct debit from a bank account
• Visa or Mastercard virtual debit card

When you sign up for your loan, Uplift will ask you to link your payment method and sign up for autopay. You don't have to agree to autopay, but it's always a good idea to do this for any debt so that you don't miss any payments. Otherwise, you'll need to remember to log in each month and make your payment. 

Uplift is also unique in that it requires monthly payments. In comparison, many other BNPL lenders require biweekly payments. 

What Happens If I Don’t Pay Uplift?

Uplift doesn't charge late fees, but there are plenty of other reasons why you'll want to make your payments on time. 

If more than 30 days pass since your last payment, your Uplift loan will continue to accrue interest, making it more expensive to pay off. Uplift may blacklist you from getting another loan through them again and may also report your late payments to the credit bureaus, which can damage your credit score .

Uplift. " Buy Now, Pay Later Travel Leader Uplift Raises $68M in Credit Financing to Support Rapid Growth in Anticipation of 2021 Travel Industry Rebound ."

myFICO. " Credit Checks: What Are Credit Inquiries and How Do They Affect Your FICO Score ?"

Board of Governors of the Federal Reserve System. " Consumer Credit - G.19 ."

Uplift. " Buy Now, Pay Later Travel Leader Uplift Raises $68M in Credit Financing to Support Rapid Growth ."

Uplift. " Payments and Refunds ."

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Frequently Asked Questions

• What is Uplift?

Uplift gives you the freedom to book travel now and pay over time with simple fixed installments. Some plans include interest while some are interest-free. When you're ready to check out, just select "Uplift" as your payment method, complete a short application and receive quick decision. Choose the terms of your payment plan, finish checking out and enjoy your purchase. Then, pay over time with simple, no-surprise monthly payments.

• How do I apply for installment payments through Uplift?

Shop for your items and add them to your cart just like you normally would. When you are ready to check out, simply select Uplift as your payment method. To apply, you'll need to provide some basic information like your mobile number, date of birth, and if you are a U.S. resident, your Social Security Number. If you're approved, finish checking out and you're done.

• How are my loan term offers determined?

We look at a number of factors, including your credit information, purchase details and more.

• How do I make installment payments?

You can make a payment anytime at pay.uplift.com and clicking on the Loans tab. From there, click the Make a Payment button.

We recommend that you enable AutoPay at time of purchase so that your payments are automatically deducted each month. If you don't have AutoPay enabled, visit pay.uplift.com, click on the Accounts page and set the AutoPay toggle to ON. You can also change the form of payment on file with Uplift anytime at pay.uplift.com.

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• I purchased a trip using Uplift, can I travel before it’s paid off?

Yes! You do need to allow a few days between booking and your departure date for things to process. Other than that, you are free to travel whenever - even before you're all paid off.

• What is your Privacy Policy and Terms of Use?

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Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 0% to 36%. Minimum $300 purchase required. Not everyone is eligible. Loans made through Uplift are offered by these lending partners: uplift.com/lenders.

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Uplift’s Address: 440 N. Wolfe Road Sunnyvale, CA 94085

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Travel Resources

What is uplift uplift partners with the world’s leading travel, hospitality, retail, and ecommerce brands to finance purchases into manageable monthly payments..

Now more than ever when it comes to booking travel, flexibility has never been more important. 

That's why we've partnered with Uplift, a simple, safe and convenient solution that means qualified applicants can book their next holiday today then pay it off over time.

Uplift allows you* to take advantage of our Early Payment Discounts that are available right now, and book with confidence knowing that you’re free to change your travel plans up to 30 days before travel. 

Travel Protection Act Now for Peace of Mind!

You’ve meticulously planned your dream vacation, packed everything from flip-flops to sunglasses. But remember, even the most well-planned trips can be disrupted by unforeseen circumstances.

So, what’s your plan if the unexpected strikes?

Invest in travel protection today! It provides the added security you need to confidently return to the places you love. Don’t leave it to chance, secure your peace of mind and enjoy your vacation to the fullest! 

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Financing Powered by Uplift FAQs

• Uplift gives you the freedom to purchase what you want now and pay over time with simple fixed installments. Some plans include interest while some are interest-free.  When you’re ready to checkout, just select “Uplift” as your payment method, complete a short application, and receive a quick decision.  Choose the terms of your payment plan, finish checking out, and enjoy your purchase. Then, pay over time with simple, no-surprise monthly payments.
• Loans made through Uplift are offered by these lending partners: http://uplift.com/lenders . 
• You can apply for an Uplift loan at the time you make your booking or any time there after up to 11 days prior to your cruise departure. 
• Financing through Uplift is not a line of credit. After a guest’s application is approved and the guest accepts a loan through Uplift, additional charges (related to price increases or pre-cruise add-ons) cannot be added. 
• However, any eligible guest is welcome to have multiple active payment plans through Uplift at any given time, each up to a total amount of $15,000USD.  Each time a guest applies to use Uplift, Uplift looks at a number of factors including the guest’s credit information, purchase details, current loan activity, and more. Approval in the past does not guarantee future approvals.
• At this time, financing through Uplift is available to Carnival guests for purchases made prior to cruise departure. This includes add-ons such as Carnival Vacation Protection (CVP), Fly2Fun, prepaid gratuities, etc.*.  Financing powered by Uplift is only available for pre-cruise purchases. 
• Yes. Carnival guests may use Uplift for Carnival vacations ranging in total cost between $100 - $15,000USD.
• Yes. In the event that two or more guests are traveling under a single booking, Financing powered by Uplift may be applied as a form of payment for a portion of the booking. 
• Carnival guests can be approved for monthly payment plans through Uplift for Carnival vacations ranging in total cost between $100 - $15,000USD (including add-ons such as CVP,  gratuities, air, etc.*). Eligibility is based on a number of factors, including the guest’s credit information, purchase details, and more. 
• No. The current Uplift application process requires that one, specific total amount (between $100 - $15,000USD) be defined when a guest’s application is submitted. 
• Guests wishing to change the total value of their application may restart their application for a payment plan through Uplift using a lower or higher total amount any time prior to accepting/confirming a loan (the very last step in the application). 
• When full or partial refund is processed by Carnival using normal cancellation procedures, Uplift will receive the refund and will apply it to the guest’s remaining loan balance. If the amount due to the guest exceeds any remaining balance due to Uplift, Uplift will issue a refund to the guest’s form of payment on file. This process typically takes 2-4 business days after Uplift receives funds from Carnival. 
• If a guest receives a Future Cruise Credit rather than a refund or is assessed a cancellation penalty, they will still be responsible for the outstanding balance.
• Please see Carnival’s Terms of Use for the most up to date Refund Policy.
• 75% ‘Any Reason’ CVP Refunds: Refunds are typically issued in the form of FCC (‘Future Cruise Credit’). Guests should contact Uplift to inquire about possible payment re-arrangements that may be available. Please note that Uplift does not accept Future Cruise Credit (‘FCC’) -- or any form of cruise line credit (Onboard Credit - ‘OBC’ or ‘NROBC’) as a form of payment on existing loan balances. 
• 100% Qualifying Reason: Guests typically receive refunds in the form of an electronic or mailed check following a qualifying 100% refund claim. Guests should contact Uplift to inquire about possible payment re-arrangements that may be available (ex. temporary payment delay while awaiting an approved refund to be issued or arrive). 
• No. Carnival Agents can assist guests who wish to finance part of a Carnival Vacation. The amount financed, including taxes/fees and any add-ons or extras, must be between $100 - 15,000USD.
• No. There are no prepayment penalties associated with any Financing Powered by Uplift plan. 
• Yes. Eligible guests may apply Uplift as a form of payment to any ‘final payment’ or ‘balance due’ following a deposit on their Carnival vacation -- provided that the balance, including taxes/fees, add-ons or extras, is between $100 - 15,000USD.
• Yes. Uplift Pay Monthly may be used for add-ons and extras prior to sailing -- such as Carnival Vacation Protection (CVP), Fly2Fun, prepaid gratuities and more. Guests may add extras on to their cruise fare in one application (up to $15,000) or apply for another payment plan through Uplift to finance any extras and add-ons after booking the cruise-only portion of their vacation. Extras/Add-ons are those items that can be added to the overall booking related costs (i.e. Carnival Vacation Protection (CVP), Fly2Fun, prepaid gratuities, etc.*).   
• Every application has a maximum value limit of $15,000USD. However, any guest (individual) may have multiple active loans through Uplift at any given time.  Each time a guest applies to use Uplift, Uplift looks at a number of factors including the guest’s credit information, purchase details, current loan activity, and more. Approval in the past does not guarantee future approvals.
• Uplift's application for approval involves a soft credit check, which requires a few basic guest details including full name, date of birth, mobile phone number, and the last four digits of their Social Security Number.
• The last four digits of a guest's Social Security Number are used to verify their identity and determine their eligibility. A guest's full social security number will be required to take a loan, as required by federal banking law.
• When entering the last four digits and complete Social Security Number, guests do so privately and securely. 
• Eligible guests can book their cruise with $0 down, followed by as many as 18 interest-free payments * .
• Guests who qualify will be presented with a 0% APR financing option during the application process.
• Eligibility is based on a number of factors, including guest's credit information, purchase details, and more.

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Uplift - book now. pay over time..

Feel good about what you book and how you pay for it. With Uplift, you can make thoughtful purchases and pay for them in bite-sized pieces while keeping yourself on budget.

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Why uplift.

Now you can spread your adventure into easy payments with Uplift's Pay Monthly option. Uplift, a third party provider, offers access to affordable payment options that fits nicely within your monthly budget. It's a fast and easy way to turn your ideal vacation into a reality.

Low Monthly Payments

Budget-friendly loan options

Easy Application

Quick decision

Surprise-Free

No late fees or prepayment penalties

Easy AutoPay

No payment dates to remember

How Uplift Works

Select Uplift at Checkout

Add your trip to the cart just like you normally would. When you are ready to book, choose Uplift as your form of payment.

Quick & Easy

Provide a few pieces of information and receive a quick decision.

Enjoy your trip now and pay for it over time with low monthly installments.

Frequently Asked Questions

What is uplift.

Uplift gives you the freedom to book travel now and pay over time with simple fixed installments. Some plans include interest while some are interest-free. When you’re ready to checkout, just select “Uplift” as your payment method, complete a short application, and receive a quick decision. Choose the terms of your payment plan, finish checking out, and enjoy your purchase. Then, pay over time with simple, no-surprise monthly payments.

How do I apply?

Shop for your items and add them to your cart just like you normally would. When you are ready to checkout, simply select Uplift as your payment method. To apply, you’ll need to provide some basic information like your mobile number, date of birth, and if you are a US resident, your Social Security Number. If you’re approved, finish checking out and you’re done.

How are my loan term offers determined?

We look at a number of factors, including your credit information, purchase details, and more.

How do I make installment payments?

You can make a payment anytime by visiting  ​ pay.uplift.com  and clicking on the Loans tab. From there, click the Make a Payment button. We recommend that you enable AutoPay at time of purchase so that your payments are automatically deducted each month. If you don’t have AutoPay enabled, visit  ​ pay.uplift.com , click on the Accounts page, and set the AutoPay toggle to ON. You can also change the form of payment on file with Uplift anytime by visiting  ​ pay.uplift.com .

I purchased a trip using Uplift, can I travel before it's paid off?

Yes! You do need to allow a few days between booking and your departure date for things to process. Other than that, you are free to travel whenever - even before you're all paid off.

What is Uplift's Privacy Policy and Terms of Use?

You can read Uplift's at  ​ Privacy Policy and ​ Terms of Use .

Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 0% to 36%. Not everyone is eligible. Loans made through Uplift are offered by these ​ lending partners .  ​ Privacy Policy  and  ​ Terms of Use . Uplift’s Address: 440 N. Wolfe Road Sunnyvale, CA 94085

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Add a shortcut to your home screen: Share button at the bottom of the browser. Scroll left (if needed) to find the Add to Home Screen button.

Allianz Travel Protection

Don’t just wing it. Protect your trip to enjoy peace of mind and enhance your experience. JetBlue has been proud to partner with Allianz Global Assistance for over a decade because they’re the gold standard in the travel insurance and assistance industry. Every year, millions of people trust them to protect their travel plans, ticket purchases, and more.

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Covid-19 coverage information, why travelers choose protection, why choose allianz travel protection, allianz travel protection benefits basics, easier claims for quicker payments, review period.

Selecting travel protection when booking your flights is the easiest way to keep you and your budget safe.

• No one wants to lose their vacation investment if they have to cancel a trip, and they don’t want minor mishaps to ruin their time away from home.
• Medical emergencies overseas can be really expensive and many personal health insurance policies (like Medicare) don’t provide coverage outside the U.S.
• Help is only a phone call away. Allianz Global Assistance’s award-winning team of experts is always available to help solve travel problems.

We’ve made it easy to add Allianz Travel Protection during the booking process.

“I was extremely impressed with the ease of filing my claim, and very happy with the outcome. Travel insurance was well worth it. I recommend it to everyone. Thank you.” JetBlue customer, New York, Nov. 2022.

Allianz Travel Protection is an insurance plan with award-winning assistance that can protect you and your budget from unexpected travel problems and emergencies. In most cases, this means providing reimbursement for covered financial losses after you file a claim and it has been approved. These losses can be minor, like a delayed suitcase, or significant, like a last-minute trip cancellation or a medical emergency overseas.

Allianz Travel Protection can protect you before and during your trip—keeping you, your loved ones, and your travel budget safe. Benefits vary by plan and these are brief descriptions. Please read your plan documents for details.  

Allianz Global Assistance continues to streamline the claims process. They simplified the claim form to make it easier to complete, and they added a claim button to the TravelSmart™ app—allowing you to file a claim on the go from your smartphone.

If you’re not completely satisfied, you have 15 days (or more, depending on your state of residence) to request a refund, provided you haven’t started your trip or initiated a claim. Premiums are non-refundable after this period.

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Terms, conditions, and exclusions apply. Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best’s 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected].

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Uplift Offers Travel Advisors New Opportunities to Upsell

This article originally appears at https://www.mtravel.com/blog/uplift-offers-travel-advisors-new-opportunities-to-upsell/

Have your clients ever asked, “Do you offer a payment plan?” or hesitated to book now due to upfront costs?

Enter Uplift, our exciting new preferred supplier, which gives your clients the option to secure a short-term loan to pay for their vacation or cruise in full at the time of booking. Uplift was designed to make it easy for clients to commit to their dream vacation now with a flexible and convenient monthly payment solution.

Uplift Offers Book Now, Pay Over Time Solution

Uplift is available to Travel Advisors through an easy-to-use agent tool and is integrated into the MTravel booking process for an effortless customer experience. The entire process is quick and easy. The portal allows you to estimate monthly payment costs for clients during the sales process. Should they wish to finance, you can simply send an application link to your client. They can fill out the application on their smartphone or desktop and the entire process only takes a few minutes.

After a soft check on their credit score, the client will be given a variety of payment plan options based on what works best for them. Once the client selects the plan that meets their needs, they will be given their total trip cost along with a monthly payment amount, allowing them immediate booking satisfaction while taking control of their budget. The best part is that this allows your client to travel before their trip is even paid off, and the reservations are paid in full at the time of booking, so you will only invoice a full payment through ClientBase online. There is no charge to the Travel Advisor to offer Uplift. The only cost to travel clients is an annual percentage rate that can be as little as half the traditional credit card rate. And there is no need to worry about chasing down payments, as all plans are done directly with Uplift.

Clients 18 years old and up are eligible to apply if they possess a Debit Card. They can apply for as little as $150 to as much as $25,000 with terms ranging from 3 months up to 24 months. They can even use the Uplift payment plan to pay for third parties in cases where a friend or relative wants to cover the costs of a group or loved one.

A Winning Partner for Travel Advisors

“We are pleased to partner with Uplift so that our network of Travel Advisors can offer their clients a reputable and trusted solution that allows them to experience vacations that may have been otherwise delayed or hesitated planning until they had the savings,” says Christy Schafer , SVP MTravel. “Uplift is an excellent resource to our affiliate Travel Advisors to encourage their clients to enjoy enhancements to their experience, higher category accommodations, or even extended lengths of stay that they otherwise felt they could not splurge on.” Additionally, with the ease of a flexible payment plan through Uplift, a client can take advantage of special offers or pay in full deals before they are no longer available. Uplift makes these scenarios possible, which may translate to improved sales, easier accessibility to meeting goals, and more significant commissions for our affiliates.

If you missed our March Uplift online seminar there is a training video on Agent Connex > Travel Industry Webinars > Uplift – Payment Plans for Vacation Dreams.

To register and become certified with Uplift, please visit learning-uplift.com/us-partner/ . There is a 30-minute certification training and sixteen questions. Within 72 hours of completion, you will receive an email from Uplift with your username and temporary password. If you do not receive an email within 72 hours, please check your spam/junk email folders.

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Financing Powered by Uplift FAQs

• Uplift gives you the freedom to purchase what you want now and pay over time with simple fixed installments. Some plans include interest while some are interest-free.  When you’re ready to checkout, just select “Uplift” as your payment method, complete a short application, and receive a quick decision.  Choose the terms of your payment plan, finish checking out, and enjoy your purchase. Then, pay over time with simple, no-surprise monthly payments.
• Loans made through Uplift are offered by these lending partners: http://uplift.com/lenders . 
• You can apply for an Uplift loan at the time you make your booking or any time there after up to 11 days prior to your cruise departure. 
• Financing through Uplift is not a line of credit. After a guest’s application is approved and the guest accepts a loan through Uplift, additional charges (related to price increases or pre-cruise add-ons) cannot be added. 
• However, any eligible guest is welcome to have multiple active payment plans through Uplift at any given time, each up to a total amount of $15,000USD.  Each time a guest applies to use Uplift, Uplift looks at a number of factors including the guest’s credit information, purchase details, current loan activity, and more. Approval in the past does not guarantee future approvals.
• At this time, financing through Uplift is available to Carnival guests for purchases made prior to cruise departure. This includes add-ons such as Carnival Vacation Protection (CVP), Fly2Fun, prepaid gratuities, etc.*.  Financing powered by Uplift is only available for pre-cruise purchases. 
• Yes. Carnival guests may use Uplift for Carnival vacations ranging in total cost between $100 - $15,000USD.
• Yes. In the event that two or more guests are traveling under a single booking, Financing powered by Uplift may be applied as a form of payment for a portion of the booking. 
• Carnival guests can be approved for monthly payment plans through Uplift for Carnival vacations ranging in total cost between $100 - $15,000USD (including add-ons such as CVP,  gratuities, air, etc.*). Eligibility is based on a number of factors, including the guest’s credit information, purchase details, and more. 
• No. The current Uplift application process requires that one, specific total amount (between $100 - $15,000USD) be defined when a guest’s application is submitted. 
• Guests wishing to change the total value of their application may restart their application for a payment plan through Uplift using a lower or higher total amount any time prior to accepting/confirming a loan (the very last step in the application). 
• When full or partial refund is processed by Carnival using normal cancellation procedures, Uplift will receive the refund and will apply it to the guest’s remaining loan balance. If the amount due to the guest exceeds any remaining balance due to Uplift, Uplift will issue a refund to the guest’s form of payment on file. This process typically takes 2-4 business days after Uplift receives funds from Carnival. 
• If a guest receives a Future Cruise Credit rather than a refund or is assessed a cancellation penalty, they will still be responsible for the outstanding balance.
• Please see Carnival’s Terms of Use for the most up to date Refund Policy.
• 75% ‘Any Reason’ CVP Refunds: Refunds are typically issued in the form of FCC (‘Future Cruise Credit’). Guests should contact Uplift to inquire about possible payment re-arrangements that may be available. Please note that Uplift does not accept Future Cruise Credit (‘FCC’) -- or any form of cruise line credit (Onboard Credit - ‘OBC’ or ‘NROBC’) as a form of payment on existing loan balances. 
• 100% Qualifying Reason: Guests typically receive refunds in the form of an electronic or mailed check following a qualifying 100% refund claim. Guests should contact Uplift to inquire about possible payment re-arrangements that may be available (ex. temporary payment delay while awaiting an approved refund to be issued or arrive). 
• No. Carnival Agents can assist guests who wish to finance part of a Carnival Vacation. The amount financed, including taxes/fees and any add-ons or extras, must be between $100 - 15,000USD.
• No. There are no prepayment penalties associated with any Financing Powered by Uplift plan. 
• Yes. Eligible guests may apply Uplift as a form of payment to any ‘final payment’ or ‘balance due’ following a deposit on their Carnival vacation -- provided that the balance, including taxes/fees, add-ons or extras, is between $100 - 15,000USD.
• Yes. Uplift Pay Monthly may be used for add-ons and extras prior to sailing -- such as Carnival Vacation Protection (CVP), Fly2Fun, prepaid gratuities and more. Guests may add extras on to their cruise fare in one application (up to $15,000) or apply for another payment plan through Uplift to finance any extras and add-ons after booking the cruise-only portion of their vacation. Extras/Add-ons are those items that can be added to the overall booking related costs (i.e. Carnival Vacation Protection (CVP), Fly2Fun, prepaid gratuities, etc.*).   
• Every application has a maximum value limit of $15,000USD. However, any guest (individual) may have multiple active loans through Uplift at any given time.  Each time a guest applies to use Uplift, Uplift looks at a number of factors including the guest’s credit information, purchase details, current loan activity, and more. Approval in the past does not guarantee future approvals.
• Uplift's application for approval involves a soft credit check, which requires a few basic guest details including full name, date of birth, mobile phone number, and the last four digits of their Social Security Number.
• The last four digits of a guest's Social Security Number are used to verify their identity and determine their eligibility. A guest's full social security number will be required to take a loan, as required by federal banking law.
• When entering the last four digits and complete Social Security Number, guests do so privately and securely. 
• Eligible guests can book their cruise with $0 down, followed by as many as 18 interest-free payments * .
• Guests who qualify will be presented with a 0% APR financing option during the application process.
• Eligibility is based on a number of factors, including guest's credit information, purchase details, and more.

Was this answer helpful?

Answers others found helpful.

• How do I make payments on my booking?
• Deposit and Final Payment Requirements
• Cruise Cancellation and Itinerary Change Policy
• Carnival EasyPay FAQs

Travel Protection Plus

Your pet became sick? No problem! You can cancel or change your reservation— no change fees! Price gone down since you booked? No worries! United Vacations can guarantee our lowest price on select vacations! Unexpected mishap while on vacation? We've got you covered!

Our Travel Protection Plus helps give you some peace of mind, before and during travel. Cancel or change your vacation a​t any time, guarantee our lowest price on select vacations, receive during travel coverage and more.

What is Travel Protection Plus?

Pre-departure penalty waiver provided by united vacations vacations and other non-insurance services provided by generali global assistance’s designated provider.

• Cancel for Any Reason Waiver:  You may cancel your vacation for ANY reason prior to departure and receive a full refund for your vacation, less the cost of the Travel Protection plan, including, non-refundable airfares booked through United Vacations.* Non-refundable hotel rates are not included. Your refund is made in the original form of payment unless at the time of purchase you elect to receive a portion or all of your refund in the form of United Vacations travel credits**.
• Price Guarantee***:  Guarantees the lowest price on the vacation booking! If the price of the hotel on your vacation drops after booking the reservation, just let us know and we'll adjust the reservation to the lower price. Valid on Mexico, Caribbean, Hawaii and Central America vacations.
• No Change Fees:  Need to make a change? Any United Vacations fees for the FIRST instance are automatically waived with no charge or reactivation fee when there are no supplier change fees. For changes that require a complete cancellation and rebook, the new booking must be finalized within 7 days of the initial cancellation.
• Note to Minnesota, Missouri, and New York residents only:  You are not required to purchase the Post-Departure Travel Insurance in order to purchase the Pre-Departure Penalty Waiver. Contact 1-877-538-3815 for details
• Hurricane Travel Credit*^:  If a Category One or greater hurricane disrupts a vacation for 24 hours or more, travelers will receive a refund for unused or interrupted vacation nights plus a future vacation discount certificate. Valid for reservations departing June through November.

Travel Credit Policies

• Travel credits are valid for travel commencing within 395 days of original departure date.
• Travel credits are nonrefundable, nontransferable, not redeemable for cash, and must be used by expiration date.
• Travel credits will be issued in the names of the passengers on the original reservation.

Post-Departure Travel Protection Benefits^ Underwritten by Generali U.S. Branch

• Trip Interruption:  Reimburses (up to the total trip cost) unused hotel arrangements plus additional transportation costs such as a new airline ticket if you can't travel due to circumstances such as illness or injury to you, a family member, or traveling companion, jury duty, or a traffic accident on the way to the airport.
• Trip Delay: Reimburses you up to $1,000 per person for expenses such as meals, lodging, and local transportation costs should you be delayed 6* or more hours due to a covered event, such as a Common Carrier Delay, lost or stolen passport or other covered events.
• Missed Connection: The plan reimburses you up to $1,000 for unused land or water arrangements and additional transportation should you miss your Cruise or tour departure due to a delay of at least 3* hours due to a covered reason, such as a flight delay from adverse weather.
• Emergency Evacuation: Under certain circumstances detailed in the Plan, the Plan can pay for the transportation expenses Incurred to evacuate You to the nearest qualified hospital and/or to return you home.
• Baggage/Personal Property: Reimburses you for baggage or items lost, stolen or damaged during your vacation.
• Medical Expenses: Reimburses medical costs should you incur hospital charges or other medical bills as a result of an illness or injury during your vacation.
• Baggage Delay: Reimburses for the purchase of necessary personal items if your bags are delayed by the airline for 6* hours or longer. The plan covers you for the purchase of necessary items up to $300 in the event your luggage is delayed by a common carrier for more than 6* hours en route to your vacation.
• Travel Accident: Accidental Death & Dismemberment – Travel Accident coverage in the event of loss of life, limb or sight resulting from an injury occurring during Your Trip.

Travel Protection Plus Pricing*

*Price is per person. Valid for of all vacation packages and destinations (except scheduled air only vacations). Holiday Pricing  (departures 12/18-12/30): Add $30.00 per adult ages 13 +; add $15.00 per child 12 and under ( maximum $114.99 ).

Plan payment includes: 1) A fee for Part A Non-Insurance Cancel For Any Reason Waiver, 2) Part B Insurance Benefits, and 3) a fee for non-insurance assistance services. You may obtain information on the Part A fees and/or plan fees by emailing Trip Mate . View plan details and important disclosures .  

How Do You Purchase Travel Protection Plus?

While you are building your vacation, you can select Travel Protection Plus from the Add-Ons menu, or add it during the first step of the check-out process in the Travel Protection section. Travel Protection Plus can only be purchased online during the booking process. To add travel protection after you have made your reservation, call your travel agent or United Vacations customer service at 888-584-3899. Travel Protection Plus may only be added within 7 days of your initial deposit, provided you have not yet made your final payment.

Insurance benefits are underwritten by: Generali U.S. Branch

Non-Insurance Services: are not insurance benefits underwritten by Generali U.S. Branch. The plans also contain non-insurance Travel Assistance Services provided by Generali Global Assistance and FootprintID®.

Plan Administrator:  Trip Mate, a Generali Global Assistance and Insurance Services brand, P.O. Box 527, Hazelwood, MO 63042, 1-866-389-5378.

* Canceling or changing their vacation at any time before departure without costly revision fees does not include non-refundable properties. Supplier-imposed fees such as airline/hotel revision penalties will be covered for the first revision instance. If used to cover supplier-imposed fees, Travel Protection Plus will need to be reapplied to the reservation at 75% of the original price in order to maintain the program benefits or the traveler is subject to any subsequent revision or cancel fees.

*** For the Price Guarantee to apply to the hotel portion of the reservation, the price adjustment must be made to the reservation while the lower United Vacations rate is available. Price Guarantee also covers the air portion of exclusive nonstop vacation air vacations.

*^ The Hurricane Travel Credit applies for vacations departing June through November. While in destination, if your United Vacations trip is interrupted for 24 hours or more due to a Category One or greater hurricane, you will receive a refund for unused or interrupted vacation nights plus a "Fresh Start" certificate for a future vacation. "Fresh Start" certificate amounts: $100 per adult, $50 per child for Exclusive Nonstop Vacation Flights1 and $25 per person for Scheduled Air Vacations. "Fresh Start" certificates are non-transferable and are not redeemable for cash and can be used on a United Vacations Vacation for travel any time (excluding holidays) for one year from the original departure date. A qualifying disruption occurs when your hotel requires you to be displaced from their room for 24 hours or more due to the result of a Category One or greater hurricane and does not apply to hurricane watches, warnings or tropical storms. The Hurricane Travel Credit Plan applies to the nights you are displaced from your hotel if a comparable hotel of equal or greater hotel rating is not provided.

^ Travel Protection Plans are administered by Trip Mate, a Generali Global Assistance & Insurance Services brand, located in San Diego, CA. Plans are available to residents of the U.S. but may not be available in all jurisdictions. Benefits and services are described on a general basis; certain conditions and exclusions apply. Travel Retailers may not be licensed to sell insurance, in all states, and are not authorized to answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. This plan provides insurance coverage for your trip that applies only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. The purchase of this plan is not required in order to purchase any other travel product or service offered to you by your travel retailers. If you have any questions about your current coverage, call your insurer, insurance agent or broker. This notice provides general information on Generali’s products and services only. The information contained herein is not part of an insurance policy and may not be used to modify any insurance policy that might be issued. In the event the actual policy forms are inconsistent with any information provided herein, the language of the policy forms shall govern. Travel insurance plans are underwritten by: Generali U.S. Branch, New York, NY; NAIC # 11231. Generali US Branch is admitted or licensed to do business in all states and the District of Columbia. For the operating name used in certain states, and other important information about the Travel Protection & Assistance Services Plan, please see https://www.generalitravelinsurance.com/customer/disclosures. The Travel Protection Benefits are underwritten by Generali U.S. Branch, provided through Trip Mate, a Generali Global Assistance & Insurance Services brand, P.O. Box 527, Hazelwood, MO 63042, 1-866-389-5378. Non-insurance Services: are not insurance benefits. Generali Global Assistance 24-Hour Assistance Services are provided by their designated provider and a Personal Portable Health Record Provided by FootprintID®. Benefits on this page are described on general basis only. There are certain restrictions, exclusions and limitations that apply to all insurance coverages and services. This advertisement does not constitute or form any part of the Plan Description or any other contract of any kind. Plan benefits, limits, and provisions may vary by state jurisdiction. Note to Minnesota, Missouri and New York residents only: If you would like to purchase either the Pre-Departure Penalty Waiver or the Post-Departure Travel Protection contact 1-866-389-5378 for details.

To view the full plan details please visit: www.tripmate.com/wpGR430U and view your state specific plan document.