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.
Daniel
Easy
Easy, straight forward,
June 24, 2026
Anton Tempest
Quick and easy
Quick and easy
June 24, 2026
VIJAYALAKSHMI GODASU
Very happy!
Very happy!
June 24, 2026
ANDREEA Sandru
Amazing service
Amazing service
June 24, 2026
Steve Peacock
Staff communication was good and…
Staff communication was good and extremely professional but friendly and welcoming. Highly recommended
June 24, 2026
JAMES
AMAZING!
Excellent from start to finish. Just a shame I didn’t find them sooner. Immediate online decision, beat other offers I’d had by a distance in terms of amount and interest rate, even paid out in 36 ...
June 24, 2026
Reece Scott
Easy to apply
Easy to apply, cut my interest rates and payments in half
June 24, 2026
Khaled Assaf
Thank you so much for helping me to get…
Thank you so much for helping me to get the loan
June 23, 2026
Wendy
Applied through ClearScore and within a…
Applied through ClearScore and within a couple of minutes my application was accepted and paid out 24hrs later. Excellent service. App appears to be user friendly too. No calls, no hassle and all c...
June 23, 2026
Louise
Quick decision and turn around
Quick decision and turn around
June 23, 2026
Manish kumar jha
Amazing service
Amazing service, very smooth
June 23, 2026
Emma Fox
Easy to apply
Easy to apply
June 23, 2026
João Nobre
The whole process is straightforward
The whole process is straightforward, no hidden information, everything cristal clear. The loan information is sent by email, so I can check it whenever I need.
June 23, 2026
Mrs Anna Shepherd
Quick response
Quick response, friendly communications.
June 23, 2026
Anthony Henry
The process was smooth
The process was smooth. It did dake a few days but that's because of due diligence. A little more communication would have been good to avoid anxiety.
June 23, 2026
Scott Rush
So quick and easy to get a decision in…
So quick and easy to get a decision in a couple of minutes took into consideration my outgoings so didnt let me stretch myself to much with what I borrowed. Many Thanks Scott
June 23, 2026
Kelly Roberts
Really
Really, quick and easy application process, although funds not received yet, but they do say 5 working days. Little communication regarding this otherwise, so fingers crossed the 5 days is correct.
June 23, 2026
David Harris
Supperbsolutely fantastic I'm really…
Absolutely fantastic I'm really impressed with your whole service very affordable rates and so simple to use thank you
June 23, 2026
Gabriel
Simplest procedure ever.
Simplest procedure ever.
June 22, 2026
Rated 4.7 stars
Why Updraft?
Safe, secure, & regulated
Powered by Open Banking.
Securely view all your bank accounts and credit cards in one place — and spot what’s costing you most.
Updraft shortlisted twice at the Credit Awards 2026
Updraft named best personal finance app at the British Bank Awards 2026
The Debt Drain: Britain’s interest issue uncloaked
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.
