The app to help you pay off credit card debt
See what cards cost. Pay them off faster.
Join our public beta
We’re on a mission to help people understand their card debt and pay it off faster.
As a beta tester, you’ll get early access to our latest features before anyone else, while helping shape the future of Updraft. If you’d like to help put an end to unnecessary card interest, we’d love to have you on board.
Have a look before you sign up
No account, no password, nothing handed over up front. Download the app and explore.
When you want the full picture, link a card or your bank and your real numbers fill in. Checking your own details won't affect your credit score.
See what you could save
Put in your balance and your rate, and see your card as it stands now next to one Updraft payment. How many months you could cut, and how much interest you could keep rather than pay the card.
They're your numbers, not a sales pitch, so if your card's already the cheaper option, we'll say so.
Your card won't show you this
Link your cards and your credit report and see what you've really borrowed all in one place. Break it down by segmant, credit cards, loans and see what you've borrowed from each provider.
No more guessing, no more writing it down, pop open the app and get a fuller picture.
Your free credit report
Your credit score shapes what you can borrow and what it costs you, so keeping an eye on it is a real part of getting on top of your cards. Most apps charge to show it, or sign you up to a subscription you forget to cancel.
We give you yours free, because watching your score climb is part of the journey, not an upsell. Create your account and it's right there, no catch, nothing to cancel.
We have a whole lot more coming
This is just the tip of the iceberg of how we're going to help our customers get control of their card debt. Join the public beta today and get all the latest features before they're publicly released and help shape the experience to what you want it to be.
People trust Updraft to tackle their cards
Sophie Ward
It was quick and easy
It was quick and easy, and now that i've done it, it's like a weight has been lifted
October 15, 2026
Jess
Loan with bad credit
The process was really simple and money was in my bank within a day. App seems good too.
October 15, 2026
Samuel Christie
Fantastic quick desicion
Fantastic quick desicion
October 15, 2026
Michael
Easy to navigate and instant decisions
Easy to navigate and instant decisions. Made for a straight forward transaction.
October 15, 2026
Jody Harris
Easy to use website and process
Easy to use website and process
October 14, 2026
Ovidiu Goga
Quick affordable and life saving rates…
Quick affordable and life saving rates compared to all my other options
October 14, 2026
Bradley
Very easy application and very easy to…
Very easy application and very easy to use
October 14, 2026
Miss SC
Very satisfied with the process
Easy to apply, received a quick decision to my application & the money was in my account a lot earlier than I expected. Also received clear instruction regarding the direct debit.
October 14, 2026
Skonzapi Ndhlovu
Great loan.
Great loan with low interest. Excellent service as well. Very happy!
October 13, 2026
Nirosha Vitharana
It’s so helpful
It’s so helpful. With in 30 seconds I got result. Excellent. No more paper work .
October 13, 2026
Tim WATSON
Great service
Great service
October 13, 2026
Liam King
Quick and easy
Quick and straightforward application, affordable repayments. Friendly and welcoming service
October 13, 2026
Sean
Quick
Quick, easy and helpful
October 13, 2026
WASIU AGBOKE
So satisfied
So satisfied
October 12, 2026
Terence McKay
Great experience would recommend
Great experience would recommend
October 12, 2026
Ian White
Just excellent 👌
Just excellent 👌
October 12, 2026
Customer
The process is straightforward and the rates ar...
The process to apply was easy and straightforward.
October 12, 2026
Tee A
Easy application process
Application process was very straightforward. Service has been very positive and convenient. Loan has been very helpful in managing my other financial commitments and reducing interest paid overa...
October 12, 2026
Jennifer
Process was really easy and well…
Process was really easy and well explained
October 12, 2026
Debbie Dickie
Good & quite straight forward…
Good & quite straight forward application. Answer within minutes. Good website with sufficient information.
October 11, 2026
Rated 4.8 stars
Frequently Asked Questions
Thinking about a loan to pay off credit card debt? These quick answers explain how Updraft’s debt consolidation loans work and what to expect before you apply.
Is Updraft a loan?
Updraft helps people pay off credit card debt. It is not a credit card, and it is more than a single loan. Updraft brings together open banking and credit data to show you what your cards are really costing you, then helps you bring your balances into one payment and pay them off faster. More than a million people have used Updraft to pay off over £750 million of credit card and overdraft debt.
Will checking my credit affect my score?
No. Checking your own credit report and score through Updraft is a soft search, which does not affect your credit score and cannot be seen by lenders. You can look at where you stand as often as you like. If you later choose to apply for a loan, that can involve a different kind of check, and Updraft will always make that clear before you go ahead.
How much could I save with Updraft?
It depends on your balances, your interest rates and how long you have been paying them off. Updraft's calculators let you put in your own numbers and see how many months you could take off and how much interest you could keep, compared with carrying on as you are. The figures are yours, not a sales pitch, so if your current cards already work out cheaper, Updraft will tell you that too.
Is Updraft safe?
Yes. Updraft is authorised and regulated by the Financial Conduct Authority, operating under Fairscore Ltd. It uses open banking, the same regulated technology your bank uses to share data securely and only with your permission, alongside bank-level security. You stay in control of what you connect, and you can disconnect it whenever you want.
Is Updraft free?
Updraft is free to download and free to look around, with no account needed to start. When you create an account you also get your credit report and score for free, with nothing to cancel. If you take out an Updraft loan to pay off your cards, that carries interest like any loan, and the rate you are offered depends on your circumstances.
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.