Updraft helps people pay off credit card debt. That is the whole point of us. If you have two or three cards and an overdraft, and you only ever pay the minimum, we built this for you.
Most people with card debt do not actually know how much they owe. The balances are spread across statements, apps and a vague feeling of dread every time a payment date comes round. The free Updraft app pulls every connected card, loan and overdraft into one place, so the full picture is there on one screen instead of scattered across your banking.
Once you can see every balance, the app shows you what each one is really costing: the interest you are paying each month, and how long minimum payments actually take to clear a balance. That second number surprises most people. If you have only ever paid the minimum, seeing the real payoff timeline is the moment the whole thing starts to make sense.
Here is the mechanism. Updraft is a UK lender, authorised and regulated by the Financial Conduct Authority (firm reference number 810923), trading as Fairscore Ltd. We offer one product, done properly: a fixed-rate loan from £1,000 to £25,000 over 1 to 5 years, built to replace your card and overdraft balances with one fixed monthly repayment and a known end date. The rate is fixed for the whole term. There are no early repayment charges. An arrangement fee is included in the total amount repayable and shown in the representative example.
The money goes to the cards. On approval, we pay the card providers directly, so the balances are cleared rather than shuffled onto another card somewhere. This is not a balance transfer. A 0% transfer moves debt to a new card and the interest returns when the promotional period ends. An Updraft loan is built to repay the debt.
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.
A soft search shows your eligibility and rate before you make a full application, and it does not touch your credit score. You can see the decision, then decide whether to go ahead.
And we do not judge you on your credit score alone. Affordability is assessed on your actual income and spending through open banking data alongside your credit file, so if a high street bank has turned you down, a decision here is based on what you can actually afford. That is a real assessment, not a guarantee of acceptance, but it is a fairer one.
The Updraft app is free, on iOS and Android:
You can disconnect any account at any time. The app gives you the full picture and a plan, with or without a loan.
Updraft is for working people in the UK who use credit to afford everyday life and want to tidy it up. Sound like you?
If you are in financial difficulty, Updraft is not the right answer: free debt advice is, from StepChange, National Debtline, Citizens Advice or MoneyHelper. We lend to people with a regular income who want to clear balances, not to people in distress.
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 members rate us highly on Trustpilot. Customer support is human, with offices in London and Manchester.
To see exactly how it works, balance by balance, read how to pay off credit card debt. For plain-spoken articles on cards, rates and payoff plans, our MoneyTalk hub is where we write about it all.
Ready to see your rate? Check your eligibility with a soft search, and see whether one loan, one payment and a fixed end date could work for you. It will not affect your credit score to find out.