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 19.4% fixed interest p.a. Monthly repayment: £277.31 Total repayable: £16,639 (inc. £600 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 39.8% APR, £1000-£25,000, over 2-5 years available.
From held back to lifted up
See how UK customers use Updraft’s debt consolidation loans to clear credit card debt.
GratefulWoman
I was so thankful that I got approved…
I was so thankful that I got approved despite my low credit score. I am really really grateful because the loan that was approved was way more than what I expected and it’s just a relief that I wil...
August 25, 2026
Kate
Highly recommend
Spot on service no messing easy application really smooth process and the app is ace
August 25, 2026
John
Very fast and easy
Very fast and easy, no hassle whatsoever. Money was paid into my account in no time. 11/10
August 25, 2026
Garry
Stress free
Quick and easy process with no hassle or stress thank you.
August 25, 2026
customer
This was so simple and easy to apply…
This was so simple and easy to apply for this and didn't take much time. Emails were sent with all relevant information needed
August 25, 2026
gary pitchford
easy and kept update at all time.
easy and kept update at all time.
August 25, 2026
Jason Lifton
Recommended....
A seamless application process all at a good rate. What could be simpler?
August 25, 2026
Nicola Harrison
Quick an clear would recommend
Quick an clear would recommend
August 25, 2026
paul hamlet
Easy and quick to apply
Easy and quick to apply . Straight forward to see what funds you need and the repayment plan
August 25, 2026
Andrew Jefferies
Very fast communication and outcome
Very fast communication and outcome
August 25, 2026
Andy
Quick and easy to go through the…
Quick and easy to go through the application
August 25, 2026
Sophie Howsley
Quick and easy to get loan
Quick and easy to get loan, the downfall is I'm still awaiting funds from applying on Thursday afternoon hopefully won't take too much longer
August 25, 2026
Andy
Great service
Great service - slick and easy to operate. Good rate for my loan over 5 years.
August 25, 2026
Oluseun
It easy
It easy. And very helpful
August 25, 2026
Marie Prowse
Decision was quick & I love the fact…
Decision was quick & I love the fact there were no lengthy calls
August 25, 2026
S P
Quick and easy nothing hidden
Quick and easy nothing hidden
August 25, 2026
MRCHRISTOPHERREID
Easy to apply good customer service…
Easy to apply good customer service from them very helpful
August 24, 2026
Md Sajjad Hossain
Great and low Apr
Great and low Apr
August 24, 2026
Rated 4.7 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.
