Card debt keep bouncing back?
One monthly payment. No settlement fees.
Representative 24.6% APR
Tired of debt that just won’t stay gone?
Like a yo-yo, you pay it down and somehow, it springs right back. Interest, fees, and never-ending minimum payments keep you stuck in the same frustrating cycle. At Updraft, we help you cut the string and stop the spin for good.
With one affordable loan, you can pay off your cards once and for all and lift your credit score too.
No more juggling balances. No more backwards steps. Just a clear, simple way to move forward and stay there. Checking your rate takes minutes and won’t affect your credit score.
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.
Sal
Fantastic very easy quick process
Fantastic very easy quick process. Easy to use app. Thank you
December 8, 2025
Christina
Really quick easy application
Really quick easy application
December 8, 2025
Samantha Wadham
So easy to do
So easy to do, money landed in my account in 2 days. Great service, will be able to consolidate all of my accounts and have one monthly payment.
December 8, 2025
Kirstie Cook
Clear and precise information and great…
Clear and precise information and great rates
December 8, 2025
Robert Barry
Very helpful
Very helpful
December 8, 2025
Jane Welsh
Very clear and easy to use application…
Very clear and easy to use application process
December 8, 2025
Mr Vitalijus
Excellent way to borrow
updraft is an excellent way to borrow. For me it was very easy and quick, how I was looking for
December 7, 2025
April Aston
Thank you for believing
This was the simplist application for a loan ever . Well thought out website. Appreciate that you allowed me to help my debt consolidation when no one else would. You realise that you may have done...
December 7, 2025
Alex MacGregor
Very straightforward process.
Very straightforward process.
December 7, 2025
Neil G
One or two technical issues which they…
One or two technical issues which they solved- overall very pleased
December 6, 2025
PD
I was surprised that the decision was…
I was surprised that the decision was quite quick. Although the deposit to my bank account took a few days but nevertheless, my application went smoothly and they aimed to respond to my messages wi...
December 6, 2025
Geoffrey Bradley
Excellent
Very easy and very quick. 10/10 again
December 5, 2025
Klaudia Sliwa
Great
Great! All straightforward and clear. Thank you
December 5, 2025
karen thompson
very good,helped me loads
very good,helped me loads
December 5, 2025
Mark Platten
The whole process was very smooth and…
The whole process was very smooth and straight forward
December 5, 2025
Mr Lanza
The process was really quick
The process was really quick with just a couple of extra emails to check that things were right for me and it was sorted. The funds were available quickly and some paid direct to things I wanted pa...
December 5, 2025
Laura Pond
Helped me out
Helped me out, when others couldn’t. Really happy 😆
December 4, 2025
Mrs deborah ball-summerhayes
Hassle free loan that was tailored to…
Hassle free loan that was tailored to my needs.
December 4, 2025
Andrew Howard
Easy and quick
Easy and quick with a clear description on the decision.
December 4, 2025
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.
