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?
26.5% APR representative based on a loan amount of £10,000 over 60 months at a fixed interest rate of 21.9% p.a. This would give a monthly repayment cost of £286.65 per month, with a total cost of credit of £7,198.74 (includes loan fee of £400) and a total amount repayable of £17,198.74.
From held back to lifted up
See how our users rise above debt & get better credit
Sue McKerlie
So simple and a great experience
So simple and a great experience
July 7, 2025
Alison Bullous
Great service
Great service, hassle free would highly recommend.
July 7, 2025
gary law
great company
such a great easy process from start to finish great communication highly recommend this company
July 6, 2025
Debra Martin
Absolutely fantastic company
Absolutely fantastic company. Its easy to apply. I feel releaved that a company like updraft are around to help people. 100% trustworthy.
July 6, 2025
Joanne
Everything was done and set quickly
Everything was done and set up quickly. I had money in my account the next. Would really recommend 👌
July 5, 2025
K D
The only placed that approved me
Thank you, I can start trying to get on top of my credit card debt.
July 5, 2025
Toby
The service they provide is…
The service they provide is outstanding. The decision was fast and money in the bank the next day. I would recommend them if you need to consolidate your debit into one.
July 5, 2025
Russell.normansky.com Nor
Really good company to deal with
Really good company to deal with, my second loan to pay off one that was more expensive with another company. Excellent service
July 4, 2025
Saeeda akhtar
Straightforward and speedy access to…
Straightforward and speedy access to funds.
July 4, 2025
Shahnaz Ahmed
Absolutely amazing!
Absolutely amazing! Updraft knows when people can make repayments realistically. Def worth applying with them. They have brought some ease for a few people Thank you!
July 4, 2025
Mr Richard Portman
Simple and professional application
Communication with Ashley was easy and professional. Application was straight forward as well. Would happily recommend.
July 3, 2025
Jacqui Mcgill
Highly recommend
No hassle. Quick decision and payout
July 3, 2025
Stacey Coffey
Easy to apply and quick decision
Easy to apply and quick decision
July 3, 2025
Toby
Smoth and fast
Smoth and fast. Good service, very satisfied.
July 2, 2025
Code Red
I got an answer very quick,the app is…
I got an answer very quick,the app is easy to use
July 1, 2025
David Wraith
Excellent customer service
Excellent customer service
July 1, 2025
mr.M
amazing
amazing , helped me
July 1, 2025
jamie simpson
Really quick decision
Really quick decision. Money in my account within 24 hours
June 30, 2025
Will
Helpful company to sort finances
The website is easy to use and navigate. Got a quick decision and the staff were friendly and quick to respond to emails. Money received within a few days.
June 30, 2025
Tiktok Moments
Really simple to use and very quick to…
Really simple to use and very quick to set up very impressed with the service.
June 30, 2025
Rated 4.8 stars
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.
FCA regulated: Authorised and regulated by the FCA (refs 810923).
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. If you decide to go ahead and apply, we’ll run a full credit check at that point.
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 - in a good way. Paying off high-interest credit cards with a single affordable loan can improve your credit score over time, as long as you keep up with repayments.
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.
Updraft Awards & Recognition
Recognised for helping UK borrowers take control of debt.
