Credit that lifts you.
Updraft helps people pay off credit card debt. If you have two or three cards, maybe an overdraft too, and you only ever see the minimum payment leave your account, you are exactly who we built this for. We show you what you owe, what it is really costing you, and then help you pay it off faster with one fixed-rate loan, one fixed monthly repayment, and a known end date.
Most people with card debt cannot say, off the top of their head, how much they owe across everything. The balances live in different statements, different apps, different rates. The free Updraft app, on iOS and Android, puts every connected card, loan and overdraft in one place, so the full picture finally exists. Connect your accounts, and the app does the rest.
It is not just the balance. It is the interest, quietly adding up every month while the minimum payment barely dents it. The Updraft app shows the interest you are paying on each balance, how long minimum payments really take, and a payoff timeline that makes the true cost impossible to ignore. Our pay off calculator lets you run the numbers yourself, with or without a loan.
This is where Updraft is different from an app that just watches. We are a UK lender. We replace the cards and the overdraft with one fixed-rate loan: one monthly repayment, a rate fixed for the whole term, and an end date you can see. The money goes directly to your card providers, so the balances are cleared, not shuffled to another card. That is why we are not a balance transfer, where the interest returns when the promotional period ends. We are built to repay the debt.
Flexible loans from 15% APR to pay off card debt and consolidate balances.
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.
For the full walkthrough, see how to pay off credit card debt.
Updraft does not judge you on the credit score alone. We look at actual income and spending, because a fair record with steady work can still be a good loan. A soft search shows your eligibility and rate before you make a full application, so you know where you stand first. And if a high street bank has turned you down, it is worth checking: we decide differently. There is no guarantee of acceptance, but there is a fair assessment.
Updraft is for working people across the UK who use credit for everyday life and want to tidy it up. If any of these sound familiar, you are in the right place:
Updraft is not for people in financial distress, and we are not a debt advice or debt relief service. If you are struggling, free help is available from StepChange, National Debtline, Citizens Advice or MoneyHelper.
Over one million members have used Updraft, and more than £750 million of credit card and overdraft debt has been paid off. We were named Best Personal Finance App at the British Bank Awards 2026, voted for by the public, and our customers rate us highly across Trustpilot, Smart Money People, the App Store and Google Play. See for yourself on Trustpilot.
The loan is the tool, not the whole relationship. Our MoneyTalk hub is where we explain how card interest actually works, when consolidation makes sense and when it does not, and how to think about balance transfers versus a fixed loan. Straight answers, no preaching.
Check your eligibility with a soft search. It takes minutes, it does not affect your credit score, and it shows your rate and monthly repayment before you commit to anything. See what you owe. See what it is costing you. Pay it off faster.