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.
customer
Quick and easy to apply
Used updraft a couple of times already good service and APR
July 27, 2026
Thomas
Easy application process
Easy application process. Signed documents on Friday and it is now Monday, awaiting funds but it does state it takes up to 5 working days. Everything clearly explained and app easy to follow
July 27, 2026
Paula
It was a really simple process and has…
It was a really simple process and has been a huge weight off of my shoulders!
July 27, 2026
Ms Christina Cooper
Quick and easy to apply
Quick and easy to apply
July 27, 2026
Ch Waqas
Very easy process
Very easy process. Love it
July 27, 2026
TRACEY
Quick and efficient service would…
Quick and efficient service would recommend
July 27, 2026
Claire Fradgley
Helpful company
Helpful company
July 26, 2026
Butt0n1234
Great service easily completed online…
Great service easily completed online big thumbs up nice and simple process very clear
July 26, 2026
Oguz Avkan
I completed the transaction very…
I completed the transaction very quickly and reliably. Thank you!
July 26, 2026
Phil French
The whole process was quick and hassle…
The whole process was quick and hassle free from start to end a d all sorted out without hassles of loads of calls i found it perfect
July 26, 2026
Kellie Rogers
Quick decision
Quick decision, simple and easy
July 26, 2026
Anil J
Quick and Efficient
Quick and Efficient
July 25, 2026
Matthew Hall
Very quick and straight forward
Very quick and straight forward
July 25, 2026
Nigel Sankey
So easy to Apply only trouble it takes…
So easy to Apply only trouble it takes 5 days before landing in you're account
July 25, 2026
Danny
My experience
This was an easy process and very well done
July 25, 2026
Adeleke Adeyemi
Easy for me to apply
Easy for me to apply
July 25, 2026
Kealy Neale
Really easy to use website
Really easy to use website Clear payment structures and fees
July 25, 2026
Matthew Hill
Easy process for someone that isn't…
Easy process for someone that isn't very good at doing these types of things
July 24, 2026
Amitha
Very fast and very convenient
Very fast and very convenient
July 24, 2026
Rated 4.7 stars
Why Updraft?
Safe, secure, & regulated
Powered by Open Banking.
Securely view all your bank accounts and credit cards in one place — and spot what’s costing you most.
Updraft named in the UK’s 100 fastest growing companies, two years running
Double win for Updraft at the 2026 Credit Awards
Updraft named best personal finance app at the British Bank Awards 2026
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.
