Credit that lifts you.
Updraft helps people pay off credit card debt. If you have two or three cards, maybe an overdraft, and you only ever pay the minimum, you already know the feeling: the balances never quite come down, and you never see the whole picture in one place. That is the problem Updraft was built to solve.
Updraft is a UK lender, authorised and regulated by the Financial Conduct Authority (firm reference number 810923), and it takes a different approach to most. It starts by showing you what you owe and what it is costing you, in one free app. Then, if a loan is right for you, it replaces the cards with one fixed-rate loan: one fixed monthly repayment, a known end date, and less of your money going to interest along the way.
Most people with card debt don't have one big balance. They have a few: two or three cards at different rates, an overdraft sitting there in the background, spread across statements they never read at the same time. The free Updraft app brings every connected balance into one place, so you see the full picture for the first time.
Connect your cards and accounts in the app, available on iOS and Android, and it shows each balance, the interest you're paying, and a payoff timeline. It also includes a free credit score and report, so you can watch that too. You can explore the app and see how it works before you decide anything about a loan.
The minimum payment on a card feels manageable. What's hidden is the time: minimum payments can stretch on for years, with a large share of each payment going to interest rather than the balance. Updraft makes that visible, with a payoff timeline and a clear breakdown of what each balance is really costing you month by month.
Try the pay off calculator to see how long your current payments would take, and what changing them could do. No guesswork, no jargon, just your numbers.
Here's where the loan comes in. You tell Updraft which cards and overdrafts you want to clear, and it replaces them with one fixed-rate loan of £1,000 to £25,000 over a term of 1 to 5 years. One monthly repayment, a fixed rate for the whole term, and a fixed end date. The rate is fixed, so nothing changes halfway, and there are no early repayment charges if you want to pay it off sooner.
Because the money goes directly to the card providers, the balances are cleared rather than moved. This is the key difference from a 0% balance transfer: a transfer moves the debt to another card and the interest comes back when the promotional period ends. An Updraft loan is built to repay it.
Updraft doesn't judge you on your credit score alone. Affordability is assessed using your actual income and spending, alongside your credit file. A soft search shows your eligibility and rate before you make a full application, so checking your rate doesn't harm your credit score. Acceptance isn't guaranteed, but the decision is based on your real situation, not a single number.
Representative example: 25.9% APR Representative based on a £10,000 loan over 60 months at 20.40% fixed interest p.a. Monthly repayment: £283.20. Total repayable: £16,992 (inc. £600 fee). Subject to status and affordability. Consolidating debt may increase the term and total amount repaid. Terms and conditions apply.
Over one million people have used Updraft, and more than £750 million of credit card and overdraft debt has been paid off through its loans. Members rate it highly: 4.7 to 4.8 on Trustpilot and 4.88 on Smart Money People from over 11,000 reviews (ratings as at October 2026 and subject to change). You can read the reviews yourself.
Updraft is for working people in the UK who use credit as part of everyday life and want to tidy it up: the nurse with three cards, the teacher living in an arranged overdraft, the small business owner who put a big repair on the card and is still paying for it a year later. The typical loan is around £5,000, covering a few cards with a couple of thousand on each.
If you're wondering whether a loan even makes sense for you, start with the how it works guide. It walks through the whole process, from checking your eligibility to where the money goes on approval. You can also read more in MoneyTalk, Updraft's content hub on cards, interest and paying it off faster.
The first step costs nothing and takes minutes. Connect your accounts, see what you owe and what it's costing you, then check your eligibility with a soft search. For a closer look at how members use the numbers before they decide, see Updraft insights.
If you're in financial difficulty rather than looking to tidy up balances, Updraft isn't the right fit: free debt advice is available from StepChange, National Debtline, Citizens Advice or MoneyHelper.
Updraft. Credit that lifts you.