Credit that lifts you
Flexible loans from 14% APR to pay off card debt and consolidate balances.
Representative Example
24.6% APR Representative based on a £10,000 loan over 60 months at 19.9% fixed interest p.a. Monthly repayment: £277.60. Total repayable: £16,656 (inc. £500 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.
From 14% to 41.7% APR, £1000-£25,000, over 1-5 years available.
From held back to lifted up
See how UK customers use Updraft’s debt consolidation loans to clear credit card debt.
Borislav Dyulgerov
Easy and quick application process
Easy and quick application process. loan with a much lower interest rate.
April 8, 2026
Christian Gauthier
Straightforward easy application
Straightforward easy application
April 8, 2026
mohammed
Excellent all round
Excellent all round
April 7, 2026
Adam Bennett
Quick and simple
Quick and simple
April 7, 2026
Carley
It was very easy and a very quick…
It was very easy and a very quick result.
April 7, 2026
Adrian
Very quick and easy process
Very quick and easy process. Good service and communication through emails.
April 7, 2026
david platt
Quick response and the app also helped…
Quick response and the app also helped to process quicker. Have been informed funds will be on bank within 2 days.
April 7, 2026
Gipsy Hill Girl
Huge weight off my shoulders
It was easy to apply. I'm still waiting for funds to be deposited but the app has been very useful for bringing all of my payments into one area to help me manage my finances. This is a huge weight...
April 7, 2026
Guest
Fantastic service simple 👏
Fantastic service simple 👏
April 7, 2026
S P
Wonderfully Responsive and Speedy
Decision was made very quickly, despite it being Easter weekend. Communication was easy, and the application process was straightforward. Would recommend using Updraft!
April 7, 2026
Craig
Straightforward and simple.
Very easy, straightforward process. Clear guidance and support throughout.
April 7, 2026
Michael
Wow a really quick and easy to apply…
Wow a really quick and easy to apply and boom it’s in the bank next day THANK YOu
April 6, 2026
J.brown
Easy and straightforward
Easy and straightforward
April 6, 2026
Megan
Very good so far
Very good so far. Thanks
April 6, 2026
Caroline Taylor
Very easy and clear to use and at a…
Very easy and clear to use and at a good APR
April 6, 2026
mihaita
easy to apply
easy to apply
April 6, 2026
DJ
Really quick and easy
Really quick and easy. The website is easy to navigate and the app has all the information i need
April 6, 2026
Alison Lafferty
Great and super easy
Great and super easy
April 6, 2026
Jonathan Hayes
Quick and easy
Quick and easy
April 6, 2026
Robert Monk
very quick and easy only a few…
very quick and easy only a few questions to answer
April 6, 2026
Rated 4.8 stars
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Frequently Asked Questions
Thinking about a loan to pay off credit card debt? These quick answers explain how Updraft’s debt consolidation loans work and what to expect before you apply.
What is a credit card debt consolidation loan?
A credit card debt consolidation loan lets you combine multiple credit card balances into one loan. This can make your borrowing easier to manage with a single monthly repayment. It’s a common debt solution in the UK for people wanting to simplify their finances.
How does a loan to pay off credit card debt work?
You can use a personal loan to pay off your credit cards, then repay that loan in fixed instalments over time. Updraft offers flexible credit options that help you consolidate credit card debt safely and stay on top of your repayments.
Will consolidating my credit card debt affect my credit score?
Applying for a debt consolidation loan may cause a short-term dip in your credit score, but making regular payments on time can help build a stronger profile over time. Updraft checks your eligibility with no impact on your credit score.
What are the benefits of consolidating credit card debt?
Consolidating credit cards can simplify your borrowing with one payment and potentially lower interest compared to multiple cards. It’s not about borrowing more - it’s about clearing your credit card balance in a structured, manageable way.
Am I eligible for a credit card debt consolidation loan with Updraft?
To apply, you’ll need to be a UK resident aged 18+, have a regular income, and hold a UK bank account. Eligibility depends on your credit history and affordability. Checking your rate with Updraft has no impact on your credit score.
By proceeding with checking eligibility, you are agreeing to receive documentation (including any loan documentation) digitally through the Updraft app and to your email address.
You also acknowledge, should you accept a loan offer, you will only be able to manage this via the Updraft app.
