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.
Jon
Fast and reliable
Fast and reliable. Competitive interest rates for lower credit scores compared to other loan firms. Very good and easy to use app as well
November 6, 2025
emma maughab
Great experience very quick service
Great experience very quick service
November 6, 2025
Andrew Howe
Fantastic - very easy
Fantastic. From seeing an advert to having the money in the bank was just over 48 hours! Everything was so easy and we have now been able to pay off our credit card bills and save money on our mon...
November 6, 2025
Carole Ireson
So easy and being able to link my…
So easy and being able to link my account directly was so beneficial
November 6, 2025
Alexandra Dorward
Quick and the best part of it is you…
Quick and the best part of it is you get proper human interaction that can answer any questions you may have promptly.
November 6, 2025
SA
Amazing very easy application
Amazing very easy application Money came after 48 hours Stress free Hassle free
November 6, 2025
Lisa Thompson
Everything is clear and straight forward
Everything is clear and straight forward with Updraft. Borrowing money can be stressful but I didn't feel that way at all. 10/10 from me.
November 6, 2025
Susan Bredbere
Simple application .
Simple application .
November 5, 2025
Joshua Maynard
Excellent
Excellent. Quick decision.
November 5, 2025
Karen Phillips
Fantastic service
From start to finish I had a fantastic experience Ashley was great who dealt with my application. I was excepted and this has helped massively thank you. Now I can relax with with having everything...
November 5, 2025
Caroline Hewitt
Very quick and happy with the service
Very quick and happy with the service
November 5, 2025
Mr I
Solid experience
Amazing customer service
November 4, 2025
customer
Very simple and well explained process.
How easy every step was and stress free.
November 4, 2025
Cathy Chandler
Easy Process and informative
Easy Process and informative
November 4, 2025
Tom Ings
Fast and easy service
Fast and easy service, simple to navigate and for the funds I was after within a week of starting the application. The help on the app via the AI chat bot is awful, but the team are helpful and r...
November 4, 2025
Hannah Gillespie
Easy application and quick decision.
Easy application and quick decision.
November 4, 2025
Dawn Brown
Easy and quick
Very clear, easy and quick correspondents.
November 4, 2025
Brian
Very easy to manage
Very easy to manage Like the idea of paying cards before money recieved
November 3, 2025
Kevin Mccann
Helped me pay off debt and everything…
Helped me pay off debt and everything done quickly.
November 3, 2025
customer
perfect and straight forward
perfect and straight forward
November 3, 2025
Rated 4.7 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.
