Credit that lifts you
Flexible loans to pay off credit card debt and consolidate balances
Representative Example
24.6% APR Representative based on a £10,000 loan over 60 months at 19.9% fixed interest p.a. Monthly repayment: £277.60. Total repayable: £16,656 (inc. £500 fee). Subject to status and affordability. Consolidating debt may increase the term and total amount repaid.
All figures are representative and based upon an assessment of credit and affordability. Terms and conditions apply.
From held back to lifted up
See how UK customers use Updraft’s debt consolidation loans to clear credit card debt.
Nikki Batchelor
Very straightforward and easy to…
Very straightforward and easy to complete fantastic service
December 30, 2025
Suzanne Marie Teofilo
Quick and easy
Easy to apply, quick decision and fast in sending money
December 30, 2025
Stuart Gibson
Great service
Great service. Comms went quiet for a while hence the 4 not 5 star. Really clear and really helpful.
December 30, 2025
kamran
The process is smooth and swift
The process is smooth and swift
December 30, 2025
Lorna Brown
Good company to deal with
Very easy to apply but then very exact in affordability & your current circumstances. Felt they investigated to make sure you weren't getting into a worse situation than you were. Very friendly ...
December 30, 2025
mr c j nuttall
Comprehensive application which is…
Comprehensive application which is pleasing that the company did in depth checks
December 29, 2025
Lloyd mullen-cooper
Quick and easy
Quick and easy
December 29, 2025
Gavin Williams
Very quick
Very quick, very easy and has solved my issues completely
December 28, 2025
Anna Zannides
A smooth and easy process from start to…
A smooth and easy process from start to finish! Highly recommend.
December 27, 2025
ALISON
Definitely recommend
Definitely recommend! Really easy process and quick pay out!
December 27, 2025
Keith Woods
Efficient and very simple
Efficient and very simple
December 27, 2025
Ken
Fast
Fast, effective, professional!
December 26, 2025
Mr Richard Lawrence
Awesome and easy
Awesome and easy
December 26, 2025
Tiago Cruz
Amazing stress free company
Amazing stress free company
December 24, 2025
Tom Humphries
The process was easy
The process was easy. The things I like most is the little bits of advice in regards to paying off certain debts first. These little things will help you reduce your monthly outgoings in the best w...
December 24, 2025
Ross
Excellent Service
Excellent service, simple to understand, great infromation presented
December 24, 2025
John Mavazhe
fast in approving and processing
fast in approving and processing
December 23, 2025
Stefan
Great service very prompt and efficient…
Great service very prompt and efficient thank you
December 23, 2025
Rated 4.8 stars
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Frequently Asked Questions
Thinking about a loan to pay off credit card debt? These quick answers explain how Updraft’s debt consolidation loans work and what to expect before you apply.
What is a credit card debt consolidation loan?
A credit card debt consolidation loan lets you combine multiple credit card balances into one loan. This can make your borrowing easier to manage with a single monthly repayment. It’s a common debt solution in the UK for people wanting to simplify their finances.
How does a loan to pay off credit card debt work?
You can use a personal loan to pay off your credit cards, then repay that loan in fixed instalments over time. Updraft offers flexible credit options that help you consolidate credit card debt safely and stay on top of your repayments.
Will consolidating my credit card debt affect my credit score?
Applying for a debt consolidation loan may cause a short-term dip in your credit score, but making regular payments on time can help build a stronger profile over time. Updraft checks your eligibility with no impact on your credit score.
What are the benefits of consolidating credit card debt?
Consolidating credit cards can simplify your borrowing with one payment and potentially lower interest compared to multiple cards. It’s not about borrowing more - it’s about clearing your credit card balance in a structured, manageable way.
Am I eligible for a credit card debt consolidation loan with Updraft?
To apply, you’ll need to be a UK resident aged 18+, have a regular income, and hold a UK bank account. Eligibility depends on your credit history and affordability. Checking your rate with Updraft has no impact on your credit score.
By proceeding with checking eligibility, you are agreeing to receive documentation (including any loan documentation) digitally through the Updraft app and to your email address.
You also acknowledge, should you accept a loan offer, you will only be able to manage this via the Updraft app.
