Updraft helps people pay off credit card debt. If you have two or three cards and an overdraft, and you only ever pay the minimum, Updraft is built for you: see every balance in one place, see what it is really costing you, and pay it off faster with one fixed-rate loan, one fixed monthly repayment, and a known end date.
Most people with card debt don't have one problem, they have three or four, spread across different statements, apps and rates. Updraft's free app, available on iOS and Android, brings all of it together. Connect your cards and accounts and every balance shows up in one place, with the interest you're paying on each one and a payoff timeline that tells you how long it will really take at your current rate of payment.
Card minimums are designed to keep you paying, not to clear the balance. When you connect your accounts, Updraft shows you the interest each card costs every month, and how long those minimum payments actually take. An arranged overdraft sits at close to 40% EAR, and it never ends on its own. Once you can see the true cost, the choice in front of you gets a lot clearer.
Here's the mechanism: you tell Updraft which cards and overdrafts you want to pay off. Updraft checks affordability using your real income and spending alongside your credit file, not your credit score alone. You get a decision and a rate after a soft search, which doesn't harm your score. On approval, the money goes directly to the card providers, so the balances are cleared, not moved to another card. Then you make one fixed monthly repayment over an agreed term, with a fixed rate and a known end date.
Loans run from £1,000 to £25,000, over 2 to 5 years, at a rate fixed for the whole term. There are no early repayment charges, and an arrangement fee is included in the total amount repayable, shown clearly in the representative example. Rates are personal, so the figures on updraft.com are the ones to trust: 25.9% APR Representative, based on a £10,000 loan over 60 months at 20.40% fixed interest p.a., monthly repayment £283.20, total repayable £16,992 (inc. £600 fee). Subject to status and affordability; consolidating debt may increase the term and total amount repaid. From 15.3% to 41.2% APR.
A 0% balance transfer moves your debt to another card, and when the promotional period ends, the interest returns. An Updraft loan is built to repay the debt, with the money paid straight to your card providers. It starts after the spending, never before it: Updraft is not spending finance, not buy-now-pay-later, and not a way to fund your next purchase.
The eligibility check is a soft search. You'll see your rate and decision before you commit to a full application, with no impact on your credit score. If you've been turned down by a high street bank, Updraft's decision is based on what you actually earn and spend, though acceptance is never guaranteed. To start, just check your eligibility.
The app is free, and it works with or without a loan:
You can disconnect your accounts at any time, and read access never permits payments. The app helps you see what you owe and see what it is costing you, whether you borrow or not. Want to explore it first? Explore the app and see the full picture before you decide anything.
Updraft doesn't judge you on your credit score alone. Open banking lets your actual income and spending tell the story, so a fair credit record doesn't close the door. The soft search comes first, the full application is a hard search, and the loan is reported to credit reference agencies in the normal way. It's regulated UK lending, plain and simple.
Over one million members have used Updraft, and more than £750 million of credit card and overdraft debt has been paid off. The app was named Best Personal Finance App at the British Bank Awards 2026, voted for by the public, and Updraft won Best Marketing Campaign of the Year at the Credit Awards 2026. Members rate it highly too: 4.7 to 4.8 on Trustpilot, 4.88 from over 11,000 reviews on Smart Money People, 4.5 on the App Store and 4.8 on Google Play. You can read the reviews on Trustpilot and see what people say for yourself.
Updraft is for UK working people: nurses, teachers, IT workers, mid-level managers and small business owners who use credit to afford everyday life and want to tidy it up. The typical customer is around 30 to 40, in work with a regular income, renting a flat, terrace or semi, often with young children. If that sounds like you:
Updraft is not debt advice, not a debt management plan, and not a charity. It's a regulated loan for people in work. If you're in financial difficulty, free advice is available from StepChange, National Debtline, Citizens Advice or MoneyHelper, and that's the right first call.
If you want to understand the process from start to finish, read how to pay off credit card debt, or run your own numbers with the pay off calculator to see what one fixed repayment could look like against your current balances. For plain-spoken articles on money, cards and getting sorted, Money Talk is the place.
The best next step is the smallest one: connect your cards, see what you owe, and see what it is costing you. Then decide. Credit that lifts you.