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.
Karl B
Easy application
Found application very easy and straightforward, no excessive information required. So far so good
November 15, 2025
Ana
Quick
Quick, fast, and simple process.
November 15, 2025
Tristan
Super easy to apply for a loan!!!
Was super easy to apply for a loan with these guy’s stress free and can’t believe how quickly I got an answer and loan was approved plus funds deposited into my account! Would certainly recommend U...
November 13, 2025
Mr Steer
Very simple to apply
Very simple to apply, and funds in bank in good time.
November 13, 2025
Emmanuel Oamhen
Fast
Low interes
November 12, 2025
Lee Curry
Fast no nonsense application decision…
Fast no nonsense application decision in minutes
November 12, 2025
Kieran Hart
Very straight forward and easy to use
Very straight forward and easy to use
November 11, 2025
Florin Amos
Fast and easy
Fast and easy. I'll recommend. The commision is good *****
November 11, 2025
Jon H
Easy application process
Easy application process, quick decision, and funds within 2 days. No hassle or headaches, thoroughly recommended.
November 11, 2025
Arthi
Very easy straight forward application
Very easy straight forward application, would highly recommend Ashley and her team.
November 11, 2025
Katherine
The easiest application I have ever…
The easiest application I have ever completed. It took a few days to receive the funds but still worth 5 stars.
November 11, 2025
Joanne Wright
Great service
Easy application.
November 10, 2025
Aaron Delahoyde
Absolutely brilliant service
Absolutely brilliant service. Max & Ashley helped get my application through. Thank you both for your help!!!
November 10, 2025
Liene Alfa
Wow amazing gave me good Apr as well as…
Wow amazing gave me good Apr as well as processed quickly.
November 10, 2025
Daniella Baldwin
So easy to use with fast payments-…
So easy to use with fast payments- great customer service- definitely would recommend to people
November 10, 2025
Kulraj Lota
Absolutely fantastic
Absolutely fantastic
November 9, 2025
kallum Cooper
Nice and easy great apr
Nice and easy great apr
November 9, 2025
Benedicto
it is very straightforward …
it is very straightforward and has a very clear instruction on the process
November 9, 2025
Christopher Farr
I have found updraft really helpful
I have found updraft really helpful. Long term and short term has been affordable repayment as I have used updraft on multiple occasions. I’m really happy with the no fuss, no drama service. All I ...
November 8, 2025
Nathan
Great experience with updraft
Great experience with updraft! In an overdraft for far too long read good things about them and they pulled through asked a couple of simple questions and got what I needed will definitely be back ...
November 8, 2025
Rated 4.8 stars
Why Updraft?
Safe, secure, & regulated
Powered by Open Banking.
Securely view all your bank accounts and credit cards in one place — and spot what’s costing you most.
Inflation holds steady at 3.8% but high food prices push 6.6 million Brits to rely on credit cards for essentials
How Your Debt-to-Income Ratio Could Add £60,000 to Your Mortgage
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.
