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.
Caitlin Burns
Quick easy application process
Quick easy application process
July 5, 2026
Mr. Mathew Waite
Easy to use
Good, quick service with fair interest rates, quick payout….recommend
July 5, 2026
Mr Brandon Reed
The process was easy to follow
The process was easy to follow. The question structure was great and simple. As someone with dyslexia, I can sometimes find these things difficult, but this was clear and easy to complete. I receiv...
July 5, 2026
Asish Chandran
All good
Perfect awesome
July 5, 2026
Aditya Kotwal
Amazing and efficient
Amazing and efficient
July 4, 2026
Ayesha
Best experience
Company is doing really well excellent experience and they reply very quick
July 4, 2026
Mustafa Xassan
Great service, thank you.
Great service, thank you.
July 4, 2026
Leah Musyoka
Great
Swift and great
July 4, 2026
Carole
Fast efficient service.
Fast efficient service. The help was much appreciated - would recommend.
July 4, 2026
Miss Eileen Johnson
Excellent service
Excellent service, quick and easy & given me real peace of mind
July 4, 2026
A Williamson
Happy with the service
Happy with the service, fast and efficient
July 3, 2026
John
Very easy to apply for no awarkward question th...
The loan you offer has very good aforadable interest rates which is vey helpful and very much appreciated.
July 3, 2026
Dm
Great service
Great service, very happy
July 3, 2026
Charles
Best
User experience, fast and reliable
July 3, 2026
Jahzel SanAntonio
Fast approval!
Fast approval!
July 3, 2026
customer
Really easy process fast desicion
Really easy process fast desicion
July 3, 2026
Becky Wright
Quick simple easy to sign up
Quick simple easy to sign up
July 3, 2026
Michelle Jones
Only complaint is...
Easy to sort out loan,only complaint is 3-5 working days wait for the money, should be quicker
July 3, 2026
Maris Cu
Straightforward and very fast
Straightforward and very fast
July 3, 2026
Cris
What made my experience great was the…
What made my experience great was the speed of the approval process and the transparency regarding interest rates and fees. The company is doing an excellent job of making lending straightforward a...
July 2, 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.
Double win for Updraft at the 2026 Credit Awards
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.
