Simple. Fast. No Credit Check.
Get Funded in 3 Steps
No credit score required. No bank appointment. No waiting days for a decision. Here's exactly how LiftCredit works — from application to funds in your account.
The 3-Step Process
Start to funded — here's every step, explained plainly.
Apply in Minutes
Fill out our 5-step form with your basic info: name, contact, employment, and income. No SSN required upfront. No credit pull. Takes about 3 minutes.
Get Your Decision
Our income-based scoring engine reviews your application instantly. Score ≥50: auto-approved. Score 30–49: manual review within a few hours. We evaluate income stability, not your credit history.
Receive Your Funds
Approved? Your funds are disbursed quickly. Small Lift ($500), Big Lift ($1,500), or Max Lift ($2,500) — minus a 15% origination fee. Repayment is tied to your next payday — one payment, no installments, no rollovers.
Choose Your Lift Amount
One flat 15% origination fee. No surprises on payday.
Big Lift
$1,500
What We Check (And What We Don't)
Transparent by design. Here's exactly how we evaluate you.
✅ We DO check:
- ✅Proof of income or employment
- ✅Valid US identity
- ✅Active bank or payment method
- ✅Loan-to-income ratio (how much you're borrowing vs. earning)
❌ We DON'T check:
- ❌Credit score (FICO, Equifax, TransUnion, Experian — none)
- ❌Credit history or past defaults
- ❌Bankruptcy records
- ❌Prior loan rejections
Frequently Asked Questions
What's the 15% origination fee?
It's the cost of the loan. If you borrow $500, the fee is $75 — so $425 hits your account. You repay the full $500 on payday. No hidden fees on top of that.
How fast is the decision?
Most applications get a decision in under 3 minutes for auto-approvals. Manual reviews (scores 30–49) are handled within a few hours during business hours.
Do I need a job to qualify?
No. We accept any verifiable income — employment, gig work, freelance, disability/SSI, or regular deposits. If money comes in, we can work with it.
What if I can't repay on payday?
Contact us before your due date. We have no rollovers and no hidden fees — but we do want to work with you. Reach us at team@liftcredit.madethis.app.
Is my information secure?
Yes. All data is encrypted in transit and at rest (256-bit). We never sell your information to third parties or pull your credit.
Can I apply if I was declined by a bank?
Yes — that's literally who we built this for. Bank said no? We look at income, not credit history. Apply and see your score in minutes.
Ready to See If You Qualify?
Takes 3 minutes. No credit check. No commitment until you accept.