Updraft helps people pay off credit card debt. If you have two or three cards with a couple of thousand pounds on each, plus an overdraft that never quite goes away, Updraft exists for one reason: to put all of it in one place, show you what it is really costing you, and replace it with one fixed-rate loan, one fixed monthly repayment, and a known end date.
It starts with something simple. See what you owe. Then see what it is costing you. Then pay it off faster. That is the whole idea, and it has worked for over one million members who have used Updraft to clear more than £750 million of credit card and overdraft debt.
Most people with card debt cannot say exactly how much they owe. The balances sit across different statements, different apps, different due dates. The free Updraft app fixes that first. Connect your cards and accounts and every balance appears in one place: what you owe, the interest you are paying on each one, and a payoff timeline that shows how long it will all take.
Alongside the balances you get a free credit score and report, a payoff calculator, bill tracking and spending alerts. The app is free on iOS and Android, and you can disconnect any account at any time. It is the full picture, not a sales pitch with a calculator attached.
When you are ready, Updraft replaces the cards with one fixed-rate consolidation loan. £1,000 to £25,000, over a term of one to five years, at a rate fixed for the whole term. One monthly repayment. A date the debt ends.
Better still, the money goes to the cards. Updraft pays the card providers directly, so the balances are cleared rather than moved. That is the difference between a loan built to pay cards off and a balance transfer, which simply relocates the debt to another card and watches the interest return when the promotional period ends.
For the same monthly outgoing, more of your money goes to the balance and less to interest. That is the whole value of it: the balances are visible, the cost is quantified, and the plan has an end. You can see the full walkthrough on how it works, or run your own numbers with the pay off calculator.
A soft search shows your eligibility and rate before you make a full application, and a soft search does not touch your credit score. You get a real answer first, then decide.
Updraft also decides differently from most lenders. Affordability is assessed on your actual income and spending through open banking data, alongside your credit file, not on the credit score alone. If a high street bank has turned you down, that is worth knowing. There is no guarantee of acceptance, but there is a decision based on what you can actually afford.
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. Loans range from 15.3% to 41.2% APR, £1,000 to £25,000, over 2 to 5 years.
The arrangement fee is included in the total amount repayable and shown in the example above. There are no early repayment charges, so if you can clear it sooner, nothing stops you.
Updraft is built for working people across the UK who use credit to afford everyday life and want to tidy it up. That includes:
It is not for people in financial distress, and it is not debt advice or debt relief. If you are struggling, free help is available from StepChange, National Debtline, Citizens Advice or MoneyHelper.
Updraft is a UK lender, authorised and regulated by the Financial Conduct Authority (firm reference number 810923), operating as Fairscore Ltd. It was named Best Personal Finance App at the British Bank Awards 2026, voted for by the public, and holds a 4.7 to 4.8 rating on Trustpilot and 4.88 on Smart Money People from over 11,000 reviews. Customer support is human, from offices in London, Manchester and India.
On approval, funds go directly to the card providers or to your bank account, typically within days. Many customers report the money arriving within 48 hours. You can read what they say on Trustpilot, or browse the Money Talk hub for plain answers to questions like "should I get a loan to pay off my credit cards?" and "which card do I pay first?"
You do not have to commit to anything to see where you stand. Check your rate with a soft search, see what your cards are actually costing you, and decide from there. For a broader look at how UK households are handling card balances, see our latest Updraft insights.
Check your eligibility today. One loan, one payment, one date it ends. Credit that lifts you.