See how much you could save
Use our free calculator to check the benefits of consolidating your debts.
Representative 24.6% APR
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 UK customers use Updraft’s debt consolidation loans to clear credit card debt.
Lee Higgins
Amazing service and very easy to…
Amazing service and very easy to navigate. Thank you so much
October 12, 2025
Julie
Helpful and friendly
I found the whole process easy to follow and I always received friendly and reassuring advice
October 11, 2025
Abimbola Opeseitan
It was a seamless process
It was a seamless process, form filled in online and in a couple of days the application had been approved. Very professional
October 11, 2025
Carolyn Ellis
Excellent easy to use service
Excellent easy to use service
October 11, 2025
Laura Arthur
Friendly service and a fair review of…
Friendly service and a fair review of credit based on earnings and not solely credit score.
October 11, 2025
Jamie Williams
Hassle free
Very smooth experience, went through the process thoroughly and quickly and the app is very user friendly
October 10, 2025
Consumer
Amazing loan provider I couldn’t ask…
Amazing loan provider I couldn’t ask for more! The process was very straightforward and easy to get approved.
October 10, 2025
Lina
Excellent service
Very easy application process, quick and simple transfer of funds and really clear information about repayments and interest. I would recommend Updraft!
October 10, 2025
Sarah Lovell
Fantastic company
Fantastic company , so quick and easy to use , full communication all the way
October 9, 2025
Gavin
Easy way to get a loan
Easy way to get a loan, no fuss, simple application and a decision in literally minutes
October 9, 2025
Suzanne Silcock
Fast efficient
Fast efficient
October 9, 2025
Aron Pearson
Simple and straight forward service…
Simple and straight forward service with. Clear information. App is useful
October 9, 2025
Paul
Very sleek application process
Very sleek application process, fast decision and easy to set up the funds you require and term in simple steps. Now feel relief that I can clear my Overdraft and keep and eye on payments without j...
October 9, 2025
Asa Lyth
Quick decision
Quick decision
October 8, 2025
Chloe Hart
quick and easy and fast application
quick and easy and fast application, really good way and opportunity to clear existing debt and pay less monthly. i’m really excited to be in a better place when it comes to money, all with the hel...
October 8, 2025
Rachel
Quick and easy and at a time when I was…
Quick and easy and at a time when I was really struggling to get a consolation loan. Saved my life and money was in my account less than 24hrs later! Amazing. Fees & interest a little high but wort...
October 8, 2025
Kam Mitra
Easy to use and prompt payment direct…
Easy to use and prompt payment direct into account. Easy to consolidate credit cards etc
October 8, 2025
Robert Crawford
Easy and quick.
Easy and quick. Easy to follow and complete the application and the money was paid into my account the next working day! Direct debit was set up for whatever day of the month was best for me!
October 8, 2025
Micky
Quick and easy application
Couldn't believe how quick and simple the application was
October 8, 2025
Mags Kelly
Really quick and easy to get a quote…
Really quick and easy to get a quote and see your options. The app is useful to manage your account then.
October 8, 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.
