Updraft helps people pay off credit card debt. That is the whole mission, stated plainly: show every balance in one place, show what it is really costing, and then help you clear it faster with one fixed-rate loan, one fixed monthly repayment and a known end date.
If you have two or three cards on different rates, maybe an overdraft on top, and you only ever pay the minimum, you already know the feeling. Statements arrive separately. Balances drift. The total stays vague. Updraft exists for exactly that moment: the point where you stop managing the fog and start paying it off.
The free Updraft app brings every connected balance into one place: each card, each overdraft, each balance, each rate. Instead of spread across statements, the whole picture sits on one screen, connected through open banking, with a payoff timeline that shows how long things really take at your current rate of payment.
Card interest is quiet. A few pounds a day feels harmless, until you add up a year of it. The app shows the interest you are paying, how long minimum payments actually take, and what your money is doing month to month, so the cost stops being invisible.
Then comes the loan. One fixed-rate loan replaces the cards: £1,000 to £25,000 over 1 to 5 years, with the rate fixed for the whole term and an arrangement fee included in the total repayable. Two or three cards and an overdraft become one fixed monthly repayment with a date on the end of it.
Better still, the money goes to the cards. Updraft can pay the card providers directly, so balances are cleared, not shuffled to another card. That is the difference between a balance transfer and a loan built to repay the debt: a 0% transfer moves the balance and the interest returns when the promotional period ends. An Updraft loan is designed to end.
Before any full application, a soft search shows your eligibility and rate. It answers the two questions everyone asks first: will I be accepted, and will checking hurt my score? The soft search does not. And the decision is made on real affordability, actual income and spending assessed alongside your credit file, not the credit score alone.
For current figures, the representative example is 25.9% APR Representative, based on a £10,000 loan over 60 months at 20.40% fixed interest p.a., a monthly repayment of £283.20 and a total repayable of £16,992 including the £600 fee. Rates are personal, range from 15.3% to 41.2% APR, and subject to status and affordability. There are no early repayment charges.
If that sounds like you, the practical first move is simple. Learn how to pay off credit card debt, or check your eligibility with a soft search and see your rate before anything touches your credit file.
The payoff calculator lets you run the numbers yourself: what a fixed loan would cost against your current card interest, and what the same monthly outgoing could achieve with more going to the balance and less to interest. The MoneyTalk hub goes further, with plain answers to the questions people actually type, from "which card do I pay first?" to "balance transfer or a loan?".
Updraft is a UK lender, authorised and regulated by the Financial Conduct Authority, firm reference number 810923, operating as Fairscore Ltd. Over one million members have used it, and more than £750 million of credit card and overdraft debt has been paid off through it. It was named Best Personal Finance App at the British Bank Awards 2026, voted for by the public, and holds strong ratings on Trustpilot and Smart Money People. Customer support is human.
No drama, no shame, no jargon. Connect your balances, see the true cost, and if a fixed-rate loan with a known end date beats the cards you are carrying, take it from there. If you are in financial difficulty rather than just tidy-up territory, free advice from StepChange, National Debtline, Citizens Advice or MoneyHelper is the right place to start.
If you are in work, in the UK, and ready to clear your cards: check your eligibility today. A soft search will not harm your score, and you will see your rate before you commit to anything.
Updraft provides information, not regulated debt advice. Loans are subject to status and affordability. Consolidating debt may increase the term and total amount repaid.