Are there any pre-payment penalties associated with Uplift Pay Monthly loans? March 26, 2019 13:58 Updated Uplift will not assess penalties if you choose to pay off your loan prior to the due date. For more information, please visit the Uplift Help Center. Related articles Why should I choose Uplift Pay Monthly to pay for my cruise? Do I have to pay off my Uplift Pay Monthly loan prior to traveling? Why book with CruisesOnly vs directly with cruise line? What if I am unable to pay back my deposit by the due date? Can I make changes to my travel plans through Uplift?