Updraft Payoff Calculator

Find out how much we can save you

Add your credit card balance along with the interest rate you’re being charged and we’ll do the maths for you.

£ 1000 .00 UI/Icons/Fill/Edit
39 .9 % UI/Icons/Fill/Edit

UI/Icons/Fill/Piggy Bank

Start by using the sliders

Enter your credit card balance and APR amount to instantly see your savings!

You could be saving


And pay off your cards


Paying the minimum amount would take to clear your credit balance

With monthly payments of

And a max loan term of 0months
Shorter terms available in the app
Great News

Great News

You can potentially save on this Credit Card with Updraft Credit. Paying off over a longer term and at a lower interest rate means you’ll pay less each month than your current fixed amount.

Let's work it out

Let's work it out

It doesn’t look like we can help here, you’re already doing too good of a job.



The minimum payment is not enough

Assumptions for Savings

These are based on a fixed term loan vs minimum payments paid on a credit card and/or continued spend on a credit card or a reduced interest rate over a similar term for a fixed term loan product. Savings may be the result of a lower interest rate and / or repaying the outstanding debt over a shorter term which could lead to you paying less interest overall.

By consolidating existing borrowing, you may extend the term of your debt and increase the total amount you repay.

Representative Example
To borrow £3,000 over 36 months with a representative APR of 26.5% (fixed) will cost £121.67 per month, with a total cost of credit of £1,380.20 and a total amount payable of £4,380.20. All figures are representative and based upon an assessment of credit and affordability. Terms and conditions apply.

Updraft Credit Simple as 1-2-3

Checking eligibility won't hurt your credit score

If you choose to accept a loan, a hard search will be reported on your credit file.

Feedback from our customers

Payoff Fair

Payoff Fair

we use your bank & credit profile to offer lower, fairer loan rates

Payoff Free

Payoff Free

absolutely zero charges for over payments or settling early

Payoff People

Payoff People

lovely humans, here to help you understand what to payoff and why

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Scan the QR code to join 350,000 others in the Updraft community.