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.
Hannah
All good so far
All good so far, awaiting funds
June 1, 2026
Mr Melinte
Verry easy to take a loan from them…
Verry easy to take a loan from them .... i recimand 100%
June 1, 2026
Stephen mcconnell
Easy to use site
Easy to use site. Highly recommended
June 1, 2026
Mr j adey
Fast and efficient
Fast and efficient! Not too much fuss. Helped me alot thank you! I would highly recommend Updraft!
June 1, 2026
Mariana Beatrice
Easy application
Easy application. Funds available in 3-5 working days.
June 1, 2026
Nicholas Afriyie Danquah
The application was swiftly replied to
The experience was amazing and swift.
June 1, 2026
customer
It was a fast and straightforward…
It was a fast and straightforward application
May 31, 2026
Pami Bhamra
Vary fast and good raye
Vary fast and good raye
May 31, 2026
Eleanor Elizabeth Carley
Great experience with this company.
Great experience with this company.
May 31, 2026
KAREN
It was so quick and easy
It was so quick and easy. No fuss with emailing documents over
May 31, 2026
Brian Wright
The whole process was fast
The whole process was fast, effortless and stress free.
May 31, 2026
sumeda weerasekara
Highly recommend
Good service
May 31, 2026
Jim Morgan
Very easy and clear information…
Very easy and clear information throughout and very quick 9i
May 30, 2026
Dave Pierce
Very helpful and a quick decision
Very helpful and a quick decision
May 30, 2026
Oluwayomi
The process was fast and seamless
The process was fast and seamless. Looking at the APR, that’s savings at the long run. Funds will take up to 5 days and I am waiting. Thank you to the updraft team!
May 30, 2026
Tony
Only just taken a loan out but the…
Only just taken a loan out but the process was very simple and the decision was extremely quick.
May 30, 2026
Rated 4.8 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.
The Debt Drain: Britain’s interest issue uncloaked
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Making Tax Digital: The HMRC Change That Affects Millions of Self-Employed People
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.
