Updraft helps people pay off credit card debt. If you have two or three cards on different rates, maybe an overdraft sitting behind them, and you only ever see the minimum payment each month, you are exactly who we built this for.
The idea is simple. See what you owe. See what it is costing you. Pay it off faster.
Instead of juggling minimum payments across several cards, an Updraft loan replaces them with one fixed monthly repayment at a fixed rate, over a fixed term, with a known end date. There is a real difference between a card that never quite clears and a plan that actually finishes.
Loans run from £1,000 to £25,000 over 1 to 5 years, with the rate 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 if you want to clear it sooner.
Here is the part that matters: on approval, Updraft pays the card providers directly, so the balances are cleared rather than moved. This is not a balance transfer. A 0% transfer shifts the debt onto another card, and the interest comes back when the promotional period ends. An Updraft loan is built to repay the debt.
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 does the seeing for you. Connect your cards and accounts and you get:
You can run the numbers yourself before you borrow a pound. Start with the pay off calculator and see what your current repayment path actually looks like.
Worried that checking will hurt your credit score? It won't. Updraft runs a soft search first, which shows your eligibility and rate before any full application, with no impact on your score. Only the full application involves a hard search.
And affordability is assessed on your real income and spending, alongside your credit file, not the credit score alone. If a high street bank has turned you down, that is exactly why it is worth checking. There is no guarantee of acceptance, but the decision is made on your actual circumstances.
Updraft is not trying to win on a number in an advert. The difference is the combination:
Customer support is human, from offices in London, Manchester and India. No chatbot maze, no being passed around.
Updraft is a UK lender for working people with card and overdraft balances they want to clear. That includes:
It is not for people in financial distress, or anyone without regular income. If you are struggling rather than tidying up, free help exists: StepChange, National Debtline, Citizens Advice and MoneyHelper all offer it.
The process is short. Say which cards and overdrafts you want to pay off. Updraft checks affordability using your income and spending data alongside your credit file. You see an eligibility decision and your rate after a soft search. On approval, the money goes straight to the card providers, or to your bank account, typically within days. Then it is one fixed monthly repayment for the agreed term, with your progress visible in the app the whole way. Walk through the full steps on how to pay off credit card debt.
Updraft is authorised and regulated by the Financial Conduct Authority, firm reference number 810923, operating as Fairscore Ltd. It is backed by institutional lending partners including NatWest, Jefferies and Santander CIB, and has been named Best Personal Finance App at the British Bank Awards 2026, voted for by the public. Members rate it highly too, on Trustpilot and on Smart Money People, with 4.88 from over 11,000 reviews on the latter at time of writing.
Updraft provides information, not regulated debt advice. Its content hub, Money Talk, covers card interest, minimum payments and consolidation in plain English, so you can decide what is right for you. Consolidation only makes sense when the total cost is lower and the cards are actually cleared, and the blog says so.
You can connect your cards, see what you owe and what it is costing you, and check your eligibility with a soft search, all before anything touches your credit file. For more on what lenders and borrowers are doing across the category, have a look at our Updraft insights.
One loan. One payment. One date it ends. Credit that lifts you.