Credit that lifts you
Flexible loans from 14% APR to pay off 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 14% to 41.7% APR, £1000-£25,000, over 1-5 years available.
From held back to lifted up
See how UK customers use Updraft’s debt consolidation loans to clear credit card debt.
N furlong
Lift off
They was amazing and helped me along the way through the process. Would highly recommend them to anyone. A big thank you.
June 6, 2026
James
Straight forward & easy to apply for a…
Straight forward & easy to apply for a loan online using there app.
June 6, 2026
Lesley
The application was easy and intuitive
The application was easy and intuitive
June 6, 2026
Michael
Excellent service
Excellent service. Quick decision. Highly recommended
June 6, 2026
Thompson
It was so fast and easy
It was so fast and easy
June 6, 2026
Sunny Sondh
Awesome service
Brill servi
June 6, 2026
customer
Easy and accessible
Easy and accessible
June 5, 2026
Katie
Brilliant experience with Updraft
Brilliant experience with Updraft! The whole process was straightforward from start to finish, the app is so easy to use, and the support team was excellent every step of the way. Best of all, no ...
June 5, 2026
Mrs Flannery
applied and recieved my money 2 days…
applied and recieved my money 2 days later really quick and easy would highly recommend i found these through clear score
June 5, 2026
emma parker
Simple online application and quick…
Simple online application and quick decision . Easy to use app too
June 5, 2026
Usman
Helpful and timely support
Helpful and timely support
June 5, 2026
Andrew langan
Easyyyyyyyyyyyyy
Easyyyyyyyyyyyyyyyy
June 5, 2026
Sara Clement
Excellent service with Updraft
When I first heard of Updraft, I didn't think I would be approved. But I was, the decision was very quick and everything was explained in great detail. All the information I needed was sent by emai...
June 5, 2026
Omid
Fast, reliable
Very fast, efficient from start to finish. The whole loan process was completely stress‑free. I would happily recommend them to anyone.
June 5, 2026
Darren Anderson
Very pleased with the helpful and fast…
Very pleased with the helpful and fast friendly service
June 4, 2026
Jonathan Crowley
Easy to apply i was kept well informed…
Easy to apply i was kept well informed during the process
June 4, 2026
Christopher Jones
Great Service
The process was very straightforward and quick. Customer service was friendly.
June 4, 2026
mr s c james
Application process was soo easy
Application process was soo easy, I was kept up to date with all aspects.. Overall fantastic service
June 4, 2026
Lisa
Very Helpful
Very helpful and approved in seconds , much better than my own bank , despite being with the same bank for 34 years they aways say no .
June 4, 2026
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.
Updraft named best personal finance app at the British Bank Awards 2026
The Debt Drain: Britain’s interest issue uncloaked
UK Credit Card Interest & Debt Statistics in 2026
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.
