Updraft Pay Off Calculator
Add your credit card balance along with the interest rate and we’ll do the maths for you.
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
Lanna
Updraft is fantastic
Updraft is fantastic! They provided me with a loan to pay off my credit cards at a great APR, so I’m actually saving money each month. I was really stressed about how much I was paying before, but ...
August 9, 2025
Mr Reyes
The fastest approval for a loan
The fastest approval for a loan. Very efficient service, hassle free.
August 9, 2025
Andrew Hampson
So easy and helpful in arranging loan
So easy and helpful in arranging loan. Would definitely recommend
August 9, 2025
Natalie
Amazing
Quick decision, thorough checks , friendly and understandable. Great interest rate . A weight has been lifted off my shoulders .
August 8, 2025
Henry
My experience was great so easy to use…
My experience was great so easy to use and apply
August 8, 2025
OLIVER JAMES GARDNER
A genuinely brilliant financial…
A genuinely brilliant financial service. Updraft has enabled me to pay my existing borrowing, enabling me to complete and close those accounts, and now focus on one payment, at a lesser APR. It has...
August 7, 2025
Andre
A new "restart" hopefully!!
The Stress of paying overdraft every single month and still seeing you minus 1 day after payday is so frustrating... So after sit-down and seeing loans, overdraft and others debits I decided to try...
August 7, 2025
john
Awesome company to work with
Awesome company to work with . No fuss , no hassle . Process is so quick and efficient.
August 7, 2025
jackue
Fantastic Company
From start to finish the staff were fantastic....kept me informed and did everything they could when my bank would not connect....so we got over that hurdle and that was it....money was in account ...
August 6, 2025
MISS CARLA HANSON
Super quick and easy
Super quick and easy. I wasn’t given the total amount needed but the amount i have been offered will significantly reduce my monthly outgoings
August 6, 2025
Steve Smith
Excellent company to deal with
Excellent company to deal with, no problems, reasonable interest rate
August 6, 2025
MARIA GALLEGO
Very good customer services thanks
Very good customer services thanks
August 5, 2025
suzanne
Easy application process
Easy website to use, application process was easy too, less than 5 minutes. Acceptance was quick and the money was in my bank within 24hrs.
August 5, 2025
Daniel Otoole
Quick service
Quick service
August 5, 2025
Mrs Alex Boyle
Excellent
Excellent, quick and easy.
August 4, 2025
Mr zen Pirate
Just all round clear and helpful
Just all round clear and helpful, easy steps throughout.
August 4, 2025
Sun
LOOKED AT ME AS A HUMAN!!!
Super easy, money received and no judgement at past history. Looked at me as a person and not a statistic so unusually refreshing!
August 4, 2025
Helen Gregory
Fantastic service
Fantastic service, quick application, fair decision and fast payout. Highly recommend
August 3, 2025
Rated 4.8 stars