Updraft helps people pay off credit card debt. If you have two or three cards, maybe an overdraft as well, and you only ever see the total when a statement lands, Updraft is built for you. It shows every balance in one place, shows what the interest is really costing you, and then replaces the cards with one fixed-rate loan, one fixed monthly repayment, and a known end date. Check your eligibility with a soft search that does not harm your credit score.
The free Updraft app, on iOS and Android, connects your cards and accounts so every balance sits on one screen. No more logging into four different apps to work out what you owe. You see each card balance, the rate on it, and the interest it charges every month. You can explore the app before you do anything else, and you can disconnect any account at any time. Read access never permits payments.
Card interest is quiet. A balance of a few thousand pounds paying the minimum each month can take years to clear, with most of the payment going to interest rather than the balance. Updraft shows you that plainly: the interest you pay each month, how long minimum payments really take, and a payoff timeline that updates as your balances change. Run the numbers yourself with the pay off calculator. It works whether or not you ever take a loan.
This is where the loan comes in. You tell Updraft which cards and overdrafts you want to clear. Updraft checks affordability using your actual income and spending alongside your credit file, not your credit score alone. You see a rate and a decision after a soft search, before any full application. On approval, the money goes directly to the card providers, so the balances are cleared rather than moved, typically within days. Loans run from £1,000 to £25,000 over 1 to 5 years, with the rate fixed for the whole term and no early repayment charges. An arrangement fee is included in the total amount repayable and shown in the representative example.
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.
A 0% balance transfer moves debt onto another card, and when the promotional period ends, the interest comes back. An Updraft loan is built the other way round: to repay the debt, not move it. The rate is fixed for the whole term, the monthly repayment is fixed, and there is a date on which it ends. For a fuller walkthrough of the process, from connecting accounts to the money reaching your card providers, see how to pay off credit card debt.
Updraft is for UK working people who use credit to afford everyday life and want to tidy it up. Typical customers are around 30 to 40, in full-time work, juggling a few cards with a couple of thousand pounds on each, and sometimes living in an arranged overdraft at close to 40% EAR. If that sounds familiar, you are in the right place.
If you are in financial difficulty rather than juggling, Updraft is not the right fit. Free advice is available from StepChange, National Debtline, Citizens Advice or MoneyHelper.
Updraft is a UK lender, authorised and regulated by the Financial Conduct Authority (firm reference number 810923), operating as Fairscore Ltd. Over one million members have used it, and more than £750 million of credit card and overdraft debt has been 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 highly on Trustpilot, and support is human, not automated.
Paying off a card balance is not the end of it. The app keeps showing your balances, your credit score and your spending, so when new card debt builds, you see it early and can act on it. For reading on how card interest works, what a soft search actually checks, and when consolidation is not the answer, visit Money Talk. For a broader look at how UK households are managing card debt, see our Updraft insights.
You do not have to commit to anything to find out where you stand. A soft search shows your eligibility and rate with no impact on your credit score, and the free app works whether you borrow or not. See what you owe, see what it is costing you, and then decide. Check your eligibility and see what one fixed monthly repayment could look like for you.