About Updraft
Why we exist.
Updraft exists to help people move forward with their money.
Too often, credit isn’t designed to help you make progress. It’s designed to keep you paying, juggling balances, and feeling like you’re never quite getting ahead. We believe credit should do the opposite.
For us, credit isn’t the goal. Progress is.
That’s why we built Updraft – to support people as they pay down credit card debt, regain control, and move forward with confidence, one step at a time.
The problem with credit today.
Millions of people are juggling credit cards, overdrafts and other forms of consumer debt. Not because they’re careless, but because the system makes it easy to get in and hard to get out. Balances roll over. Interest piles up. Payments feel endless. And the longer you stay stuck, the more the system profits,
Traditional credit often thrives on complexity and confusion. It keeps people guessing what they owe, who they need to pay next, and how long it will really take to clear their debt.
We think that’s broken.
Managing credit shouldn’t feel overwhelming or shameful. It should feel clear, fair and genuinely helpful.
Visit our guides for Clearing Credit Card Debt and Debt Consolidation for some simple life hacks that help you avoid the traps.
What we believe.
We believe people who are juggling real life deserve credit that works as hard as they do. That means:
Credit that helps you make progress, not just minimum payments
Clear paths forward, with less stress and less noise
An approach that puts understanding and confidence first
Support without judgement, jargon or hidden traps
We don’t believe in revolving debt loops or unclear outcomes. We believe in transparency, momentum, and an actual end in sight. Because when credit is built around progress, it can lift you – not hold you back.
“Too many people are doing the right things and still feeling stuck with their credit. We built Updraft to change that – to give people clarity, confidence, and a way to move forward that actually fits real life. Credit should lift you, not weigh you down.”
Updraft Founder & CEO
Built by people who care about getting credit right.
Updraft is built by a team of people with deep experience across credit, risk, technology and customer support. From engineers and data scientists to compliance and operations, teams across London, Manchester and India work together to build credit that works better for real life.
If you want to see the people responsible for how Updraft is run, you can meet our leadership team.
What Updraft does.
Updraft helps people take control of credit card debt and move forward with a clear plan.
Through our app, we give people a simpler way to manage and pay down their credit, with full visibility of what they owe and a clear path ahead. No juggling multiple cards. No guessing what comes next.
Alongside credit, we offer tools and support that help people understand their money better, build healthier habits, and make decisions with confidence – including a clearer view of how their credit profile works. Our guide to credit scores explains what they really mean and how small changes can make a difference over time.
Everything we do is designed to make progress feel possible and manageable, not overwhelming.
How we’re different.
Most credit products focus on lending more. Updraft focuses on helping people move forward.
We’re different because:
We’re built around paying down debt, not extending it
We prioritise clarity over complexity, so people always know where they stand
We support progress with tools, transparency and real human support
We design credit to fit real life, not perfect spreadsheets
There are no hidden fees, no revolving traps, and no confusing fine print. Just a clear, fair approach to credit that puts people first.
Because when credit is designed around progress, better outcomes follow.
Built to be trusted.
Updraft helps people pay off credit card debt, and that only works if people trust us with a clear view of their finances. So we hold ourselves to a high bar on security, and on lending people only what the numbers say they can afford.
The better judge is the people already using it. Here’s what they say… 👇
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
Recognised for doing credit differently.
The recognition we rate most highly comes from customers. The British Bank Awards are run by Smart Money People and decided by public vote, and in 2026 Updraft won. That follows being a finalist in two categories in 2024, and a finalist for Best Consumer Credit Product at the 2025 Credit Awards.
Updraft has made the ORESA Growth Index of the UK’s 100 fastest-growing companies two years running, ranking 13th in 2025 and returning in 2026, and placed 39th in Business Leader’s Growth 500 and 52nd in the Sifted 100. CNBC and Statista named us among the UK’s top fintechs in 2025.
In May 2025 Updraft was selected for Tech Nation’s Future Fifty, the programme whose alumni include Monzo and Revolut, with the new cohort celebrated at 10 Downing Street.
Visit our awards and recognition page for more details.
Updraft Awards & Recognition
Recognised for helping borrowers take control of card debt.
Built for progress. Today and beyond.
Updraft is built around one simple idea: progress should be possible, even when money feels complicated.
Right now, that means helping people take control of credit card debt and move forward with clarity and confidence. Over time, it means continuing to build tools, support and smarter ways to use credit that fit real life – not perfect spreadsheets.
We’re here to help people move forward, one step at a time.
Because credit should lift you, not hold you back.
Ready to get started?