Credit that lifts you
Flexible loans to pay off credit card debt and consolidate balances
Representative Example
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.
All figures are representative and based upon an assessment of credit and affordability. Terms and conditions apply.
From held back to lifted up
See how UK customers use Updraft’s debt consolidation loans to clear credit card debt.
Sharon Sithole
Very helpful and easy steps to follow…
Very helpful and easy steps to follow throughout the application process.Special mention to Ashley for the support throughout.
October 24, 2025
Shak
Such an easy and uncomplicated…
Such an easy and uncomplicated application process. And the funds were in my account next day! I’ve used updraft previously and wouldn’t hesitate to use them again. Highly recommend.
October 24, 2025
Sharron
So easy and straightforward from start…
So easy and straightforward from start to finish
October 23, 2025
Martin Elliot
Great fast service
Great fast service, approved within minutes and funds transferred within 48 hours
October 23, 2025
Gary
Updraft say yes!
I’ve been turned down for credit to Consolidate all my cards into one affordable monthly payment so many times and was beginning to give up hope until I discovered Updraft, within minutes of the ea...
October 23, 2025
shah uddin
I found that the application was very…
I found that the application was very easy and stress free. Communication was fast and clear. The transaction was quick and information was conducted throughout every stage in a nice friendly manner.
October 22, 2025
Gary
Very smooth professional service.
Very smooth professional service.
October 22, 2025
Marie barnard
I have been in persistent debt for…
I have been in persistent debt for years and this now means thanks to updraft I can see light at the end of the tunnel . Thankyou !
October 22, 2025
SARAH
Quick and easy application and descion.
Quick and easy application and descion.
October 22, 2025
Michael Woods
So easy and unitrusive to navigate
So easy and unitrusive to navigate. Would thoroughly recommend.
October 21, 2025
Dan East
Extremely easy and efficient
Extremely easy and efficient. Will recommend to others
October 21, 2025
customer
Can’t thank updraft enough for helping…
Can’t thank updraft enough for helping me
October 21, 2025
Sharon Muca
Helping me pay my dragging out credit…
Helping me pay my dragging out credit card debt
October 21, 2025
Shak
Excellent & fast loan process!
Super easy application process and fast too! Funds were in my account next day. Have used updraft before and wouldn’t hesitate to use again. Highly recommend!
October 21, 2025
Linda Connor
So easy to fill in the forms and very…
So easy to fill in the forms and very quick decision
October 21, 2025
Stefan
Easy application with clear…
Easy application with clear explanations.
October 20, 2025
Will
Straightforward application and quick decision
It was so easy to make an application and the promptness to get a decision is what stands out for me
October 20, 2025
Raul Rosario
Very straight forward process and…
Very straight forward process and quick, my application was treated very professionally and all my questions were answered in a timely manner, definitely recommend
October 20, 2025
Robert Thompson
Great experience
The whole process was simple to follow and the funds once approved were in my account within3 days … amazing !!
October 20, 2025
Jim
Easy and transparent application…
Easy and transparent application process. The loan was in my account very soon after approval.
October 20, 2025
Rated 4.7 stars
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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.
What is a credit card debt consolidation loan?
A credit card debt consolidation loan lets you combine multiple credit card balances into one loan. This can make your borrowing easier to manage with a single monthly repayment. It’s a common debt solution in the UK for people wanting to simplify their finances.
How does a loan to pay off credit card debt work?
You can use a personal loan to pay off your credit cards, then repay that loan in fixed instalments over time. Updraft offers flexible credit options that help you consolidate credit card debt safely and stay on top of your repayments.
Will consolidating my credit card debt affect my credit score?
Applying for a debt consolidation loan may cause a short-term dip in your credit score, but making regular payments on time can help build a stronger profile over time. Updraft checks your eligibility with no impact on your credit score.
What are the benefits of consolidating credit card debt?
Consolidating credit cards can simplify your borrowing with one payment and potentially lower interest compared to multiple cards. It’s not about borrowing more - it’s about clearing your credit card balance in a structured, manageable way.
Am I eligible for a credit card debt consolidation loan with Updraft?
To apply, you’ll need to be a UK resident aged 18+, have a regular income, and hold a UK bank account. Eligibility depends on your credit history and affordability. Checking your rate with Updraft has no impact on your credit score.
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.
