Credit that lifts you
Flexible loans to pay off credit 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 held back to lifted up
See how UK customers use Updraft’s debt consolidation loans to clear credit card debt.
Natasha
Very quick and easy to process
Very quick and easy to process
February 6, 2026
Edward Haines
I was absolutely drowning in dept had…
I was absolutely drowning in dept had no money, tried multiple companies for a loan to consolidate my dept all had outrageous interest rates!!!! Seen updraft on TikTok gave it a look and oh what a ...
February 6, 2026
Godelive Kulimushi
That you are excellent
Your help is excellent
February 6, 2026
Mofe Uvwoh
Process was smooth
Process was smooth
February 6, 2026
Cyril
It was a quick application process
It was a quick application process. Thank you.
February 6, 2026
Narvin
Great service
Great service
February 6, 2026
Jonathan Haacke
I’ve only just started with Updraft
I’ve only just started with Updraft, so I can’t say too much yet. I applied for the loan to pay off my credit cards. The whole application process is done through the app, which I found difficult t...
February 6, 2026
Jackie Mcasey
Was easy to apply good communication
Was easy to apply good communication
February 5, 2026
Ryan Munday
Great service!
Quick, easy and straight forward. Very helpful on emails to help get my application through, will happily recommend to friends and family and would use again in the future!!
February 5, 2026
Stuart M
Wow soooo easy to use
Wow soooo easy to use
February 5, 2026
Sandra price
Very good and go through everything to…
Very good and go through everything to make sure it's all correct very helpful
February 5, 2026
Ben Ansu
Updraft came to my rescue
I chanced on updraft by accident when I was looking for an emergency loan which I was struggling to get from other lenders. Updraft made me believe there was hope for me. The process was very smoot...
February 5, 2026
Mankoto P
Easy to apply and got approved in…
Easy to apply and got approved in seconds
February 5, 2026
Glenn Manning
Easy to understand contract and fast…
Easy to understand contract and fast decision/process. Funds were in my account the following day.
February 5, 2026
Anna L
Straightforward application form which…
Straightforward application form which is easy to use and the terms and conditions are made very clear. Quick to apply
February 5, 2026
Fester656
Very easy to use and the application…
Very easy to use and the application was very straight forward
February 5, 2026
Mrs J Jordan
It was easy to get a answer and very…
It was easy to get a answer and very easy to set up loan was deposited in just a few days
February 5, 2026
jo kba
ABSOLUTELY outstanding service
ABSOLUTELY outstanding service, super easy application process and great rates
February 4, 2026
Linda
Really quick approving and very good…
Really quick approving and very good customer service
February 4, 2026
Rated 4.8 stars
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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.
