Grilled by your credit card?
Clear your card before you get burned.
Representative 24.6% APR
Feeling burned by your credit card?
Feeling the heat from high interest payments? When you’re stuck paying off balances, it can feel like you’re getting burned. An Updraft loan is designed to help you cool things down.
We help you clear your card balances by combining them into one straightforward loan. With a single payment and no early settlement fees, you can get out of the fire and take back control of your finances.
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.
stephen Harrison
Easy process
Easy process
February 8, 2026
Jonathan
Fast easy no hassle
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
It’s been a great very quick and…
It’s been a great very quick and efficient experience
February 7, 2026
Guest
So easy to work with and use the website
So easy to work with and use the website
February 7, 2026
Lee Thompson
Really easy to use great service easy…
Really easy to use great service easy process
February 7, 2026
Shaun Mcgee
It was quick and easy
It was quick and easy
February 7, 2026
Michael Daly
The company delivered on time and the…
The company delivered on time and the rate given was very reasonable compared with other lenders.
February 7, 2026
Anne Turner
User friendly website
The website was easy to use and good correspondence throughout.
February 6, 2026
Rosemary Carroll
Very easy to apply ..great communication
Very easy to apply ..great communication
February 6, 2026
Customer
Easy application and very fast response
Easy application and very fast response
February 6, 2026
Maria Ramos
Simple and easy.
Simple and easy.. Not complicated, and speedy reply. The best so far to deal with when needing a loan. Thank you.
February 6, 2026
Natasha
Very quick and easy to process
Very quick and easy to process
February 6, 2026
Edward Haines
I was absolutely drowning in dept had…
I was absolutely drowning in dept had no money, tried multiple companies for a loan to consolidate my dept all had outrageous interest rates!!!! Seen updraft on TikTok gave it a look and oh what a ...
February 6, 2026
Godelive Kulimushi
That you are excellent
Your help is excellent
February 6, 2026
Mofe Uvwoh
Process was smooth
Process was smooth
February 6, 2026
Cyril
It was a quick application process
It was a quick application process. Thank you.
February 6, 2026
Narvin
Great service
Great service
February 6, 2026
Jonathan Haacke
I’ve only just started with Updraft
I’ve only just started with Updraft, so I can’t say too much yet. I applied for the loan to pay off my credit cards. The whole application process is done through the app, which I found difficult t...
February 6, 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.
