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.”

Aseem Munshi

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.

When it comes to credit, trust matters.

Updraft is a UK-based, FCA regulated company, built to support people making real financial decisions. We take security, privacy and fairness seriously, and we design everything with long-term outcomes in mind.

But the strongest proof doesn’t come from us. It comes from the people who use Updraft to take control and move forward. That’s why we’re proud to share feedback from customers who’ve trusted us with their credit and their progress.

From held back to lifted up

See how UK customers use Updraft’s debt consolidation loans to clear credit card debt.

stephen Harrison

Easy process

February 8, 2026

Jonathan

Fast easy no hassle

February 8, 2026

John Gregory

Amazing support throughout

Amazing support throughout. Fantastic to be able to pay card directly. Saving over £240 per month and half the interest i would have paid with the credit card. Definitely recommended and the app ...

February 7, 2026

customer

Mofe Uvwoh

Process was smooth

February 6, 2026

Rated 4.8 stars

Recognised for doing credit differently.

When it comes to credit, trust is earned over time.

Updraft is built to meet the highest standards of regulation, security and fairness. We’re proud to be a UK-based, FCA regulated company, focused on long-term outcomes rather than quick wins.

Along the way, our approach to credit and customer support has been recognised by independent organisations across the industry. Visit our awards and recognition page for more details.

Updraft Awards & Recognition

Recognised for helping UK borrowers take control of 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?