Drowning in credit card costs?
One monthly payment. No settlement fees.
Representative 24.6% APR
Feeling like you're underwater?
When high interest payments and multiple card bills pile up, it can feel like you’re struggling to stay afloat. An Updraft loan is designed to be a lifeline, helping you consolidate that expensive card debt.
By combining your balances into one loan with a potentially lower rate, you could reduce your interest costs and stop sinking. With a single fixed payment and no early settlement fees, you can find solid ground again.
By consolidating existing borrowing, you may extend the term of your debt and increase the total amount you repay. Failure to make payments on time means you will pay additional interest and may make obtaining credit in the future more expensive and difficult.
Try our Pay Off Calculator & see what you could save
Credit Card Balance
Credit Card APR (%)
How much do you pay monthly?
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.
From held back to lifted up
See how our users rise above debt & get better credit
Consumer
Great support professionals with honest…
Great support professionals with honest lending
August 31, 2025
Jenny Villacorta
Fast transaction
Fast transaction. No fuss.
August 31, 2025
Alex Ryan
I was able to pay off an expensive…
I was able to pay off an expensive credit card and reduce my monthly expenses by about £250
August 30, 2025
STEPHEN THOMAS COVENTRY
Speedy decision
Very easy to apply and speedy decision. Useful app and the loan was in my account within a few days.
August 30, 2025
Darren Warburton
Probably the easiest thing I’ve ever…
Probably the easiest thing I’ve ever done on the internet , so simple to follow
August 30, 2025
brenda barcello
Hassle free .they reduced my stress in…
Hassle free .they reduced my stress in minutes. 💯 recommend
August 30, 2025
neil benjamin
Easy to communicate and helpful…
Easy to communicate and helpful assistance.
August 30, 2025
Kim R
A brilliant service
I thought the customer service from Updraft was fantastic. They were very helpful and always replied in a timely manner. The Updraft loan was easy to apply for and has made such a difference to my ...
August 30, 2025
Cheryl Figg
Best and Nicest
Couldn't ask for a nicer, easier experience and the funds were in my account the very next day.
August 30, 2025
Willem Wilken
Great process and interest rate
Very impressed by the service and how quick the process was. I applied for a loan and thought just like the rest it will be declined. Then I found updraft using open banking and dont just look at c...
August 29, 2025
Donalda Haytack
Quick, clear and efficient
Everything was made clear from checking eligibility to when the funds would be received including monthly re-payments and when the payment should be in your bank. Fast quick and efficient service.
August 29, 2025
Customer
Quick
Quick, easy service
August 29, 2025
Sion
Stress free loans!!
Start to finish such an easy application made simple for those who are seeking a quick and easy loan which is manageable.
August 28, 2025
Karen Lowrence
Fantastic
Fantastic, would definitely recommend
August 28, 2025
Steven Pinnington
Excellent Loan Provider
Excellent service throughout, very quick and easy application process and funds available within 48 hrs. Would recommend Updraft to any potential customers. Top marks 👌.
August 28, 2025
Karen Alexander
Fast quick and money in my bank in 2…
Fast quick and money in my bank in 2 days brilliant service
August 27, 2025
David Hobbs
Easy and efficient
Easy and efficient
August 27, 2025
Crystal
The application process was seamless…
The application process was seamless and they also have great customer service. The underwriting team is very professional and shown empathy, for instance, I love the friendly manner for requesting...
August 27, 2025
Diana Fletcher
My experience was a relief to be able…
My experience was a relief to be able to pay off some of my debts. I did request more but this has helped me and my payments will be less. Thank you for helping.
August 27, 2025
Rated 4.7 stars
Here’s what you’ll need to apply
You’ll need to be aged between 18 & 72 years old with a history of using credit.
You’ll need to receive an annual income of at least £10,000 from employment or a pension.
Should you accept a loan offer, you will need a supported mobile device to download our app and manage your loan. Your mobile device must be running iOS 16 or later, or Android version 7.0 or later.
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.
About Updraft
Helping you get credit and build financial freedom.
At Updraft, we believe managing your money – and clearing debt – should feel safe, transparent and positive. We’re committed to doing things differently in this space.
Here’s what you can expect from us:
Award-winning: A trusted credit and bill consolidation lender.
Simple: Apply online in minutes — no paperwork, no hassle.
Empowering: Track your credit score and debt repayments in one app.
Popular: Almost 1 million installs across App Store & Google Play.
Trusted: Thousands of UK customers rate us Excellent on Trustpilot.
Supportive: Built to help you clear debt and take control of your finances.
Frequently Asked Questions
Checking your eligibility won’t affect your credit score, so it’s risk-free to see if Updraft is right for you.
Is Updraft regulated?
Yes - Updraft is a trading name of Fairscore Ltd. We’re authorised and regulated by the Financial Conduct Authority.
Will checking my rate affect my credit score?
No – checking your rate is quick and won’t affect your credit score.
We’ll only carry out a soft search to show you your personalised rate. If you decide to go ahead and apply, we’ll then run a hard credit check, which will leave a mark on your credit file and may impact your credit score.
How much can I borrow?
Loan amounts depend on your credit and affordability, but we typically lend between £1,500 and £20,000.
What’s the interest rate?
Your rate will depend on your personal circumstances, and you’ll see your exact offer before deciding to go ahead. Our representative APR is 26.5%.
Can I repay my loan early?
Yes - you can repay your loan early at any time, and we won’t charge any fees for doing so.
Will consolidating my debts affect my credit score?
It can – but it depends. Consolidating your debts with a single, affordable loan can help improve your credit score over time, especially if you make repayments on time.
However, consolidation doesn’t guarantee that we’ll be able to cover all your existing debts, and like with any credit, missing payments can harm your credit score.
What happens if my circumstances change?
We know life doesn’t always go to plan. If things change and you’re struggling to make payments, get in touch with our support team. We’ll work with you to find a solution that helps.
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.
Updraft Awards & Recognition
Recognised for helping UK borrowers take control of debt.
