Updraft helps people pay off credit card debt. If you have two or three cards with a couple of thousand pounds on each, plus an overdraft that never quite clears, Updraft was built for you. It is a UK lender, authorised and regulated by the Financial Conduct Authority (firm reference number 810923), and its purpose is simple: help people clear debt and build financial freedom.
The idea is straightforward. See what you owe. See what it is costing you. Pay it off faster. Instead of balances spread across statements and apps, Updraft puts everything in one place, then replaces the cards with one fixed-rate loan, one fixed monthly repayment and a known end date.
Two or three cards and an overdraft become one fixed monthly repayment at a fixed rate, with a date you can see. Loans run from £1,000 to £25,000 over 1 to 5 years, and the rate is fixed for the whole term. The typical loan is around £5,000, covering two or three cards. An arrangement fee is included in the total amount repayable and shown in the representative example, and there are no early repayment charges.
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. All figures are representative and based upon an assessment of credit and affordability. Terms and conditions apply.
The Updraft app is free, on iOS and Android, and it helps you see and pay off your credit card debt. Connect your cards and accounts and you get:
You can disconnect any account at any time, and the read access never permits payments.
This is the part that matters. On approval, Updraft pays the card providers directly, so your balances are cleared rather than moved. It is not a balance transfer: a 0% transfer shifts debt to another card and the interest returns when the promotional period ends. An Updraft loan is built to repay the debt.
Updraft does not judge you on your credit score alone. Affordability is assessed on your actual income and spending alongside your credit file. A soft search shows your eligibility and rate before any full application, so checking your eligibility will not harm your credit score. Acceptance is never guaranteed, but the decision is based on what you can really afford.
You can read the full walkthrough on the site, or run your own numbers with the pay off calculator before you apply.
Updraft is for UK working people with regular income who use credit to afford everyday life and want to tidy it up. That includes:
If you are in financial difficulty, Updraft is not the answer: free debt advice is available from StepChange, National Debtline, Citizens Advice or MoneyHelper.
Updraft is not a newcomer hoping to be trusted. It is FCA authorised, with over one million members and more than £750 million of credit card and overdraft debt paid off. It was named Best Personal Finance App at the British Bank Awards 2026, voted for by the public, and won Best Marketing Campaign of the Year at the Credit Awards 2026. Customers rate it 4.7 to 4.8 on Trustpilot and 4.88 on Smart Money People, and you can view our Trustpilot reviews yourself.
Customer support at Updraft is human. Short sentences, straight answers, no chatbots pretending otherwise. The Money Talk hub explains card interest, minimum payments and when consolidation makes sense, and when it does not, in plain British English.
You do not need to commit to anything to see where you stand. Connect your cards, see what you owe and what it is costing you, then run a soft search to see your rate. One loan, one payment, a fixed end date. Credit that lifts you.
Explore the app on iOS and Android, or check your eligibility today.