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.
Lynn
Amazing service and prompt emails
Amazing service and prompt emails
December 11, 2025
Jane Lione
Great response
Quick, easy and no jargon! Ty
December 11, 2025
Andrew
Highly Recommended
Quick process, everything explained fully, app and site user friendly, would definitely recommend.
December 11, 2025
Ratu
Amazing service
Amazing service, just quick, clear and comprehensive for the application. Great Job
December 10, 2025
robert metcalfe
Quick decision excellent
Quick decision excellent
December 10, 2025
Rayn
Ease of application is impeccable!!!! Fast deci...
Ease of application is impeccable. Over the years of applying for loans from time to time, applying with Updraft could be one of the easiest and also the fastest to confirm a decision. No frills, j...
December 10, 2025
Balaji Ramaswamy Thangaraj
Easy process
Easy process
December 9, 2025
Holly Arundel
Very quick and helpful
Very quick and helpful
December 9, 2025
Selina Yeo
Really easy setup and quick process
Really easy setup and quick process
December 9, 2025
Andre Van de Laar
Easy and Quick
Updraft made the process extremely simple and easy to follow. The instructions were clear and quick to complete
December 9, 2025
Sal
Fantastic very easy quick process
Fantastic very easy quick process. Easy to use app. Thank you
December 8, 2025
Christina
Really quick easy application
Really quick easy application
December 8, 2025
Samantha Wadham
So easy to do
So easy to do, money landed in my account in 2 days. Great service, will be able to consolidate all of my accounts and have one monthly payment.
December 8, 2025
Kirstie Cook
Clear and precise information and great…
Clear and precise information and great rates
December 8, 2025
Robert Barry
Very helpful
Very helpful
December 8, 2025
Jane Welsh
Very clear and easy to use application…
Very clear and easy to use application process
December 8, 2025
Mr Vitalijus
Excellent way to borrow
updraft is an excellent way to borrow. For me it was very easy and quick, how I was looking for
December 7, 2025
April Aston
Thank you for believing
This was the simplist application for a loan ever . Well thought out website. Appreciate that you allowed me to help my debt consolidation when no one else would. You realise that you may have done...
December 7, 2025
Alex MacGregor
Very straightforward process.
Very straightforward process.
December 7, 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.
