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.
Aaron Mayo
So easy and amazing
So easy and amazing, I recommend completely and whole heartedly thank you, updraft.
February 13, 2026
Giovanny Leonardo OrnaVenegas
Make easy to pay debts
Make easy to pay debts
February 13, 2026
Stephen
Very fast and easy to use and quick…
Very fast and easy to use and quick response.Great work
February 13, 2026
Christopher Nyarko Andam
Prompt response and processes not…
Prompt response and processes not cumbersome. Customer user friendliness
February 13, 2026
Chris
Great company and super easy
Great experience from start to finish and everything super simple. Only slight issue is the amount offered was just a little bit lower than what i needed, but still a massive help and a great inter...
February 12, 2026
Mr Dunn
Loan for improvements
The process was straight forward, will allow me to complete some home improvements and with set repayment amounts, it gives me peace of mind knowing its affordable. Thank you 🤪
February 12, 2026
John Sutherland
Excellent from start to finish very…
Excellent from start to finish very prompt
February 12, 2026
Jordan Thomas
Very fast at approving my loan
Very fast at approving my loan
February 12, 2026
carol
Easy process
Easy process
February 12, 2026
customer
Simple easy to use
Simple easy to use
February 12, 2026
Michael Tomlinson
It was a straight forward loan… great service
It was a straight forward loan procedure and an answer was available in minutes no hassle it was a great professional service. Would definitely deal with again.
February 12, 2026
Jason Tinsley
Easy to use and quick
Easy to use and quick
February 12, 2026
Stephen
Fast and simple process
Fast and simple process
February 12, 2026
Jeffrey Sinclair
Very easy to apply
Very easy to apply, and very easy after that.
February 11, 2026
John Archer
Very efficient and amenable company
Very efficient and amenable company - thank you
February 11, 2026
Dan Brace
Clear
Clear, easy and transparent set up
February 11, 2026
Gary
Site was very easy to manoeuvre and…
Site was very easy to manoeuvre and user friendly. Decision was made on the application day and had no issues whatsoever.
February 11, 2026
Nelie Pagan customer
A very good company to
A very good company to borrow money with straight forward no fuss
February 11, 2026
Ronan Johnston
Great communication and loan received…
Great communication and loan received very quickly!
February 11, 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.
