Uplyft Capital is a lender-connection service based in Chattanooga, Tennessee, that forwards a single online request to a network of licensed lenders offering personal loans from $500 to $5,000, and is compensated by those lenders rather than by borrowers.
Our mission
Most people who need a small personal loan do not need a lecture and do not need a sales pitch. They need a fast, accurate answer and terms they can read. Our mission is to provide exactly that: one form, a network of lenders, a real offer with every number disclosed, and no obligation. We measure ourselves on whether customers understood what they accepted and repaid it successfully, not on how many loans were funded.
How the service works
A visitor completes the request form on our apply page. The information is transmitted securely to participating lenders whose criteria the request may fit. Lenders review it, usually with a soft credit inquiry, and any lender willing to make an offer presents it on its own website with the APR, payment schedule, and fees in full. The visitor accepts or declines. If they accept, the lender funds the loan and services it. Uplyft Capital does not make credit decisions, set terms, hold funds, or collect payments. The how it works page describes each step in detail.
How we are paid
Participating lenders pay Uplyft Capital a referral fee for requests that result in a funded loan or, with some partners, for requests delivered. Borrowers pay nothing to use the service, and the referral fee does not change the terms a lender offers. Our Advertiser & Lending Disclosure explains the model in detail, including how lenders are ordered when more than one could receive a request.
How we choose lending partners
We work only with lenders that are licensed in the states where they lend, that disclose APR and fees before a borrower commits, that allow borrowers to decline without penalty, and that respond to customer complaints we forward. We periodically review the ratings and comments customers leave after using the service and remove lenders whose processes generate repeated complaints. We do not connect borrowers with single-payment products that require repayment in full at the next paycheck.
What we publish
Beyond the request form, this site is a reference on small personal loans. Our rates guide explains pricing by credit tier. Our lender comparison profiles ten small-dollar lenders so any offer can be judged against the market. Our blog publishes practical guides written by team members with backgrounds in credit counseling, underwriting, and financial education. Our reviews page shows customer ratings, including critical ones, without editing.
Our commitments
- We never promise approval, and we say when a loan may not be the right choice.
- We never charge borrowers a fee.
- We never sell personal information to unrelated marketers.
- We publish every number we use, from ratings to representative examples, and label estimates as estimates.
- We answer the phone. (888) 510-5986, during business hours, Eastern time.
Where to find us
Uplyft Capital, 7818 Willow Bend Rd, Suite 204, Chattanooga, TN 37402. Email [email protected]. Phone (888) 510-5986. Full details on the contact page.