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.
Damian Zajac
Great Company!!!
Great Company!!!
February 9, 2026
Sarah Jenkins
Great service
Great service quick and effective
February 9, 2026
Charlotte.
Really easy to apply
Really easy to apply. Peace of mind with lower monthly payments.
February 9, 2026
Aaron
Excellent customer service and super…
Excellent customer service and super quick response
February 9, 2026
tina hooper
I applied for a loan from Updraft
I applied for a loan from Updraft, this was convenient for me where my application was online. This was quick and easy and the response was straightaway. The funds were paid into my bank within a...
February 9, 2026
AJAY KUMAR MITTAPELLI
Surprised..! Very fast approval
It’s great experience with Updraft. It is very simple and fast approval.
February 9, 2026
Alan Parry
Communication about transfer of funds…
Communication about transfer of funds could have been faster - other than that, all good!
February 9, 2026
rburuian
Easy
Easy, I'm waiting for the money... thanks !!!
February 9, 2026
Junu Miah
Nice and simple application process via…
Nice and simple application process via clearscore.
February 9, 2026
Mark Gazmin
Very easy application and process!
Very easy application and process!
February 8, 2026
customer
The experience was really simple and…
The experience was really simple and straightforward.
February 8, 2026
James B
Easy
Easy application and info
February 8, 2026
H McGarvey
Very easy
Very easy, very quick. All cards paid off same day! Agreed rate from updraft very manageable and I’m pleased to get a problem under control.
February 8, 2026
stephen Harrison
Easy process
Easy process
February 8, 2026
Jonathan
Fast easy no hassle
Fast easy no hassle
February 8, 2026
John Gregory
Amazing support throughout
Amazing support throughout. Fantastic to be able to pay card directly. Saving over £240 per month and half the interest i would have paid with the credit card. Definitely recommended and the app ...
February 7, 2026
Scott
bugs in the server
I was exepted all was great signed the document clicked accept and woops something when wrong 🙁 got the email off them to say all is well and it went through. Just fix these bugs please 🙂
February 7, 2026
customer
It’s been a great very quick and…
It’s been a great very quick and efficient experience
February 7, 2026
Guest
So easy to work with and use the website
So easy to work with and use the website
February 7, 2026
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.
