Credit that lifts you
Flexible loans from 15% APR to pay off card debt and consolidate balances.
Representative Example
25.9% 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.
From 15.3% to 41.2% APR, £1,000–£25,000, over 2–5 years available.
From held back to lifted up
See how UK customers use Updraft’s debt consolidation loans to clear credit card debt.
Ovidiu Goga
Quick affordable and life saving rates…
Quick affordable and life saving rates compared to all my other options
October 14, 2026
Bradley
Very easy application and very easy to…
Very easy application and very easy to use
October 14, 2026
Miss SC
Very satisfied with the process
Easy to apply, received a quick decision to my application & the money was in my account a lot earlier than I expected. Also received clear instruction regarding the direct debit.
October 14, 2026
Skonzapi Ndhlovu
Great loan.
Great loan with low interest. Excellent service as well. Very happy!
October 13, 2026
Nirosha Vitharana
It’s so helpful
It’s so helpful. With in 30 seconds I got result. Excellent. No more paper work .
October 13, 2026
Tim WATSON
Great service
Great service
October 13, 2026
Liam King
Quick and easy
Quick and straightforward application, affordable repayments. Friendly and welcoming service
October 13, 2026
Sean
Quick
Quick, easy and helpful
October 13, 2026
WASIU AGBOKE
So satisfied
So satisfied
October 12, 2026
Terence McKay
Great experience would recommend
Great experience would recommend
October 12, 2026
Ian White
Just excellent 👌
Just excellent 👌
October 12, 2026
Customer
The process is straightforward and the rates ar...
The process to apply was easy and straightforward.
October 12, 2026
Tee A
Easy application process
Application process was very straightforward. Service has been very positive and convenient. Loan has been very helpful in managing my other financial commitments and reducing interest paid overa...
October 12, 2026
Jennifer
Process was really easy and well…
Process was really easy and well explained
October 12, 2026
Debbie Dickie
Good & quite straight forward…
Good & quite straight forward application. Answer within minutes. Good website with sufficient information.
October 11, 2026
Umran Hussain
Very quick and smooth process and…
Very quick and smooth process and decent rate as well!!
October 11, 2026
Erica AL jaloud
Quick
Quick!!!!!
October 11, 2026
Taimoor Amin
Great experience
Great experience
October 11, 2026
Loraine Olah
True review
It was straight forward easy to follow very helpful and very secure
October 11, 2026
Stephen
Easy to fill out and was really quick
Easy to fill out and was really quick
October 11, 2026
Rated 4.8 stars
Why Updraft?
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Securely view all your bank accounts and credit cards in one place, and spot what’s costing you most.
What is open banking? A UK guide to how it works
How to budget for Christmas: Christmas budget calculator
Average credit score UK: Experian, Equifax and TransUnion (2026)
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.
