Frequently Asked Questions

LiftCredit is a cash lending platform built for people with poor or no credit. We offer loans up to $2,500 without a credit check — approval is based on your income and identity, not your credit score.

No. We don't check your credit score at all. We look at your income and identity instead. Whether you have no credit history, a low score, or past credit problems, you can still apply.

Anyone 18 years or older with a verifiable source of income — including gig workers, part-time employees, hourly workers, and those receiving SSI or disability income. US residents only.

We offer three loan tiers: Small Lift ($500), Big Lift ($1,500), or Max Lift ($2,500). Choose the amount that fits your need — you only pay a flat 15% origination fee on whatever you borrow.

Yes — we are currently accepting applications from all US states. Wherever you live in the United States, you can apply.

Just 3–5 minutes. Our application has 5 quick steps: choose your loan amount, enter your personal info, provide income/employment details, verify your identity, then review and submit.

Your name, email address, phone number, income and employment details, and a form of identity (last 4 digits of your SSN + date of birth). No bank statements are required upfront.

Our scoring engine reviews your application in seconds. Applicants who score 50 or above are automatically approved. Scores between 30 and 49 are sent to manual review (1–2 business days). Applications below 30 are declined.

A real person on our team will review your application. Manual review takes 1–2 business days. You'll receive an email with the decision once it's complete.

Yes, you can reapply after 30 days. Use that time to strengthen your income or employment consistency — those are the biggest factors in our scoring model.

Our only fee is a flat 15% origination fee, deducted from your disbursement. For example: borrow $500, receive $425 in your account, and repay $500 on your next payday.

No. The only cost is the 15% origination fee. There are no monthly fees, no rollover fees, and no prepayment penalties — ever.

On your next payday. Repayment is tied to your paycheck cycle — not a long-term installment plan. You borrow, you get paid, you repay. Simple.

Through your borrower dashboard at /dashboard. When your repayment is due, you'll see a 'Pay Now' button. Log in, click it, and you're done.

Contact us immediately at team@liftcredit.madethis.app. Late repayment may result in additional fees, but we'd always rather work something out with you than send your account to collections. Communication is key.

Yes. We use 256-bit encryption to protect all personal and financial data transmitted to and stored by LiftCredit. We never sell your information to third parties.

No. We do not perform a hard credit pull or a soft credit pull. Applying for a LiftCredit loan has absolutely zero impact on your credit score.

LiftCredit is an income-based lending platform operating in the United States. We are fully transparent about all fees upfront — no surprises after you sign. You can read our founding story and mission on our /about page.

We believe a bad credit history shouldn't define your financial future. As long as you have income, we will consider your application regardless of past credit events — bankruptcies, collections, missed payments. Income is what matters to us.

Same business day for applications approved before 3pm ET. Applications approved after 3pm ET or on weekends receive funds the next business day.

Via ACH direct deposit straight to your bank account. After approval, you'll be prompted to provide your bank account details securely through your dashboard.

Not while a loan is currently active. Once your existing loan is fully repaid, you can apply again immediately with no waiting period.

Email us at team@liftcredit.madethis.app — we respond quickly. For questions about a specific loan, log in and visit /dashboard where you can see all activity and repayment details.