Updraft helps people pay off credit card debt. If you have two or three cards, maybe an overdraft, and a balance that never quite comes down, Updraft is a UK lender built for exactly that moment. It shows you everything you owe in one free app, then replaces the cards with one fixed-rate loan, one fixed monthly repayment, and a known end date.
The trouble with credit cards is that the picture is spread out. One card here, another there, an overdraft quietly running in the background. The free Updraft app brings it all into one place. Connect your cards and accounts and you see every balance, the interest you are paying on each, and a payoff timeline that shows how long it all really takes.
Minimum payments feel manageable, but they are designed to keep you paying. Updraft shows what card interest actually costs month by month, and how long minimums would take to clear the balance. Once you can see the number, the decision gets easier. Try the pay off calculator to run your own figures, with no obligation and no credit search.
Here is where Updraft differs from a balance transfer. A 0% transfer moves the debt to another card, and the interest returns when the promotional period ends. An Updraft loan is built to repay the debt. You choose the cards and overdraft you want to clear, and on approval the money goes directly to the card providers, so the balances are cleared rather than shuffled. You then make one fixed monthly repayment over an agreed term, at a rate fixed for the whole term. Loans run from £1,000 to £25,000 over 1 to 5 years, and there are no early repayment charges.
For the same monthly outgoing, more of your money goes to the balance and less to interest, because the rate is fixed, the term is fixed, and the end date is known from day one. Read more in how to pay off credit card debt.
A soft search shows your eligibility and rate before you make a full application, and soft searches do not affect your credit score. Better still, Updraft decides on real affordability. It looks at your actual income and spending alongside your credit file, not the credit score alone. So if a high street bank has turned you down, it is worth a look, though acceptance is never guaranteed and the full application is a hard search.
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. Rates are personal: the live figures on updraft.com are the authoritative source.
Updraft lends to UK residents with a regular income, a UK bank account, and card or overdraft balances they want to clear. Typical situations include:
Updraft is not debt advice, and it is not for anyone in financial difficulty. If you are struggling, free help is available from StepChange, National Debtline, Citizens Advice or MoneyHelper. Updraft starts after the spending, with people in work who simply want to tidy up what they owe.
The free Updraft app, on iOS and Android, keeps working after the loan is paid off. It includes:
You can disconnect your accounts at any time, and the connection is read-only: it does not permit payments. Customers rate the service highly, with a Trustpilot score of 4.7 to 4.8 and 4.88 on Smart Money People from over 11,000 reviews, and Updraft was named Best Personal Finance App at the British Bank Awards 2026, voted for by the public. Over one million members have used Updraft, and more than £750 million of credit card and overdraft debt has been paid off.
Updraft is authorised and regulated by the Financial Conduct Authority, firm reference number 810923, operating as Fairscore Ltd. Lending capacity is backed by institutional partners including NatWest, Jefferies and Santander CIB. Support is human, with real people at the end of the phone, and offices in London, Manchester and India. For a look behind the numbers, see our Updraft insights.
Once the cards are cleared, the app keeps showing your balances and your credit score, so you can watch your progress and spot any drift before it builds. Many members come back when new card debt appears, and the second clear is easier than the first.
Check your eligibility with a soft search, or read more in Money Talk, our content hub for paying off card debt and building better money habits. Credit that lifts you.