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.
andy Fawkes
fast and easy web site.
fast and easy web site.
April 14, 2026
Andrea_Lodge
So easy to apply
So easy to apply
April 14, 2026
Terry goodenough
Just so quick and easy process
Just so quick and easy process
April 14, 2026
Mr Ferreira Da Silva
Very easy /fast and good comunication
Very easy ,fast, and good comunication
April 14, 2026
Jonathan Dunwoodie
Trusted Provider, Highly Recommend
Got refused through normal bank for a loan to consolidate my debt, Google searched to find a place that would and Updraft came to the rescue and helped me to do this, was easy, quick and money in t...
April 13, 2026
Brian Morgan
Excellent to deal with
Very fast response & found service 1st rate
April 13, 2026
Chris Venn
Easy application process and user…
Easy application process and user friendly app. Took around 10 minutes total to be approved and you can choose to send some of your funds to credit cards to pay them down and the rest of the money...
April 13, 2026
Shane Braybon
What a great service
What a great service. Quick to join check eligability get an offer to siit your needs. Hoghly reccommend
April 13, 2026
Dan Ali
The Application
The loan process was simple, straightforward and easy to understand
April 13, 2026
Adeola Daniel-Taiwo
Smooth and easy.....even though I…
Smooth and easy.....even though I requested more money than I got but I was happy with the communication.
April 13, 2026
Andy
Excellent service
Excellent service
April 12, 2026
Kim
I am amazed at how quick and efficient…
I am amazed at how quick and efficient the service has been. Absolutely brilliant!
April 12, 2026
mick
Fast and easy application process
Fast and easy application process, good rates of interest and affordable monthly payments.
April 11, 2026
Neil Summers
Easy and stress free would recommend…
Easy and stress free would recommend and use updraft again thanks
April 11, 2026
Chun hock Lu
Super easy application.Fill in a few…
Super easy application.Fill in a few details regarding out going ,income and it take less then 10 mins for my loans to be approved.
April 10, 2026
Alana Stillwell
really quick easy and simple!
really quick easy and simple!
April 10, 2026
Contantin
Fast aplication + good app
Fast to apply l, very transparent and the app is very useful has a lot of info plus a credit score checker.
April 10, 2026
Marina
Process easy and straigth forward
Process easy and straigth forward. I was worrying itwas going to be rejected instead they been able to help me out.
April 10, 2026
Gary Mallett
Amazingly fast process.
The whole process from start to finish was so simple and extremely quick. From being accepted to signing the documents took less than 3 minutes! Very pleased with how this company works!😀
April 10, 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.
