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.
grace santos
updraft is very easy to use and it…
updraft is very easy to use and it helped me a lot with my finances 🙂
April 3, 2026
customer
Easy application,
Easy application,
April 3, 2026
C Hogg
Fast and easy
Fast and easy
April 3, 2026
Linda blackpool
Easy to process,company well organised.
Easy to process,company well organised.
April 3, 2026
Petar Petrov
Top company
Top company. Easy to apply. Fast decision.
April 3, 2026
Maria Gorgan
Fast process and great communication…
Fast process and great communication and clarity ! Was a great help when needed ! Thank you Updraft!
April 2, 2026
John Thompson
The experience was really…
The experience was really straightforward and the decision was quick. Their app is really useful too.
April 2, 2026
Jeffrey Williams-Edem
Easy application but delayed customer…
Easy application but delayed customer support experience
April 2, 2026
tenchmsn.com
No messing in and out
Very fast was pleased
April 2, 2026
Yilmaz Orman
Very easy to apply
Very easy to apply
April 2, 2026
Andrew
This load has helped me financially
This load has helped me financially, by being able to offer me a loan with a much lower interest rate than most of my credit cards. This has allowed me to use the savings to pay extra to current ba...
April 2, 2026
Bezaleel Simpson
Seamless and efficient experience
Seamless and efficient experience, this is how it should be done in 2026, I’ll recommend everyone to this company
April 2, 2026
Paul Wilson
Absolutely fantastic company easy to…
Absolutely fantastic company easy to apply really quick decision 5 stars all the way.
April 1, 2026
Ghulam
Good very quick and easy online
Good very quick and easy online
April 1, 2026
Ant
Absolutely fantastic from start to…
Absolutely fantastic from start to finish. Such an easy application. Would give 6 stars if I could.
April 1, 2026
nicki southworth
Quick and easy process
Quick and easy process, with a fantastic result.
April 1, 2026
Oluseyi I.I
Very good offer
For me, by far, the easiest, straightforward loan application, ever. Good rate and easy to use app. Highly recommended.
April 1, 2026
Mr George Sorby
Easy and efficient
Easy and efficient
April 1, 2026
John Lydon
Great easy to use
Great easy to use
March 31, 2026
Charlotte Campey
Very easy and straightforward to use
Very easy and straightforward to use
March 31, 2026
Rated 4.8 stars
Why Updraft?
Safe, secure, & regulated
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Securely view all your bank accounts and credit cards in one place — and spot what’s costing you most.
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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.
