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.
Derrick Abdulla
excellent service
excellent service
January 21, 2026
S S
Very quick and very simple
Very quick and very simple. Really happy with it
January 21, 2026
Lee Barrow
The greatest company out there great…
The greatest company out there great help and fast payment
January 21, 2026
Helder Ferreira
Excellent
Great service, easy to use, quick answer. If approved money is in your account in 3-5 working days!
January 21, 2026
Muhammad Shoaib
Great and fast service
Great and fast service
January 21, 2026
jordan
a simple and good process
the application process was easy and simple, albeit a lot of questions afterward via email
January 21, 2026
Roy Wickens
Fast and easy application
Fast and easy application
January 21, 2026
Richard Hancox
Easy experience
Easy experience, quick decision with zero issues.
January 21, 2026
Robert
Fast application and like the app
Fast application and like the app Can pay off credit cards through it and see how much balance you had left from the loan
January 21, 2026
Gayner
Very straight forward
Very straight forward
January 21, 2026
Joanna Hobbins
Very easy and quick
Very easy and quick. Would recommend
January 20, 2026
Waisele Veikoso
Easy to apply and the App is very…
Easy to apply and the App is very helpful
January 20, 2026
Sally Gildea
Easy and straightforward application.
Easy and straightforward application.
January 20, 2026
Amy
Brilliant
Great experience and communication. Fast execution! Can’t fault Updraft and their customer service.
January 20, 2026
Mr Carlos Velasquez
very easy process and app is easy to use
very easy process and app is easy to use
January 20, 2026
julie
Absolutely brilliant very easy to use…
Absolutely brilliant very easy to use and very quick to give a decision
January 20, 2026
ANNE DACHA
Effective communication
Adequate information provided during the process reducing anxiety
January 20, 2026
Gmann
Best experience by far
Best experience by far. Very easy was done in 7 mins tops from start to finish A+
January 19, 2026
Rated 4.8 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.
