Pay off loans upto £20,000
One Monthly Payment. No Settlement Fees.
Representative 24.6% APR
Simplifying your loans
An Updraft loan simplifies your finances by combining your credit card balances. That means one regular monthly payment instead of the stress of juggling multiple due dates and high interest rates.
With a single payment and a clear loan term, you could clear your debt sooner. And with no settlement fees, you have the flexibility to pay it off early if you choose.
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 UK customers use Updraft’s debt consolidation loans to clear credit card debt.
Mr Dougherty
Great experience
No fuss, simple application and funds paid out in two days. Great experience all round 👍🏻
January 15, 2026
Dami
Overpayment Refund!!
So we got paid on the 19th of December and January seem like a long month! And boom an overpayment refund from updraft. Though not a lot but I’m hopeful😀.Now I’m rethinking loan is not too bad afte...
January 14, 2026
Kerry
Amazing company so easy to do business…
Amazing company so easy to do business with. Full 100 I definitely recommend.
January 14, 2026
lee dorney
Seem ok
Seem ok - we'll see re long-term
January 14, 2026
Timothy Riley
Easy application
Easy application
January 14, 2026
Jake Ward
There great they keep intouch thankyou
There great they keep intouch thankyou
January 14, 2026
Erica Faulkner
Very simple and easy to apply and set…
Very simple and easy to apply and set up direct debit. APR on loan was also very good as well.
January 13, 2026
Mark
Quick and easy application with a good…
Quick and easy application with a good rate of interest
January 13, 2026
michaela hawkins
The communication was excellent
The communication was excellent, very helpful responses to my questions and they were able to improve my offer very quickly. Quick and easy set up and the money was in my account the next working d...
January 13, 2026
LIZ
Perfect choice
Was looking for an affordable reypayment amount & rates were perfect as was the whole application process
January 13, 2026
Antonino Stillitano
Fast and precise
Fast and precise
January 13, 2026
Consumer
Because the application was too smooth
Because the application was too smooth
January 13, 2026
A Toomer-Smith
Quick decision and easy to do
Quick decision and easy to do. Would highly recommend.
January 13, 2026
Mark
Great experience
Great experience, very helpful and an easy application process. Thank you so much!
January 13, 2026
Darren O'Loughlin
Quick and easy process
Quick and easy process, and I felt completely at ease making such a big decision
January 13, 2026
Priya
Good
Good and fast services
January 13, 2026
jagadeesh uppalapati
Super*****************
Super*****************
January 13, 2026
Chantelle Hall
Great this is was a lot of help
Great this is was a lot of help
January 12, 2026
Jess
So easy and quick
So easy and quick! No last minute change of terms, really satisfied so far
January 12, 2026
Merrin Elizabeth
Application was quick and easy
Application was quick and easy, got accepted and a weight was lifted from my mind! My monthly loan payment was much less than my monthly outgoings for Klarna etc!
January 12, 2026
Rated 4.8 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.
