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Uplift Financing question

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CashBackQueen
Frequent Contributor

Uplift Financing question

I'm trying to book a surprise cruise for my husband for his birthday coming up, and I noticed the website offers Uplift financing. That'll be nicer than paying $2000+ upfront for a family of 6 vacation. Does anyone know who they pull? All my reports are frozen so I'll need to thaw whichever they use. Also, I should qualify with my scores, right? Thanks in advance!

BK7 DC 1/2/18 • Progress as of 5/10/22:


TCL: $89,350 • If it ain't got rewards, I don't want it Smiley Wink
Message 1 of 5
4 REPLIES 4
Brian_Earl_Spilner
Credit Mentor

Re: Uplift Financing question

Haven't dealt with them, but from what I've seen, if the cruise gets cancelled for any reason, you're out the interest no matter what the cause is.

    
Message 2 of 5
CashBackQueen
Frequent Contributor

Re: Uplift Financing question


@Brian_Earl_Spilner wrote:

Haven't dealt with them, but from what I've seen, if the cruise gets cancelled for any reason, you're out the interest no matter what the cause is.


Hmm, interesting. Might not be a good idea, especially with things being so unsure with covid protocols. Thanks for the heads up!

BK7 DC 1/2/18 • Progress as of 5/10/22:


TCL: $89,350 • If it ain't got rewards, I don't want it Smiley Wink
Message 3 of 5
Brian_Earl_Spilner
Credit Mentor

Re: Uplift Financing question


@CashBackQueen wrote:

@Brian_Earl_Spilner wrote:

Haven't dealt with them, but from what I've seen, if the cruise gets cancelled for any reason, you're out the interest no matter what the cause is.


Hmm, interesting. Might not be a good idea, especially with things being so unsure with covid protocols. Thanks for the heads up!


Yeah, I remember seeing one of the big lines cancelling cruises until later this year. As for the complaints, they're all from people who had cancellations due to the pandemic. Also heard there was class action in the works

    
Message 4 of 5
OmarGB9
Community Leader
Super Contributor

Re: Uplift Financing question

Also, this may or may not be a concern for you, but most likely this would be considered a Consumer Finance Account (CFA), like Affirm or Klarna. On some profiles, it throws out CFA as a negative reason code and costs points.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




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