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.
customer
Your always here to help and…
Your always here to help and understanding
November 30, 2025
Ricardo Alves
Good help for a emergency
Good help for a emergency
November 30, 2025
Jayne Blundall
Great experience quick and efficient…
Great experience quick and efficient and easy to apply.
November 29, 2025
Catherine Cremor
Quick and easy
Quick and easy
November 29, 2025
Samantha Lamb
I have never dealt with a more…
I have never dealt with a more professional and helpful organisation. They've helped me refinance with a clear plan to pay down all my short term debt in one monthly payment. Highly recommend to an...
November 29, 2025
Adam Dade
Quick and easy
Very simple app to use and very easy to get a loan sorted
November 29, 2025
Shairesh
It was fast amazing online service with…
It was fast amazing online service with clear information and helpful.
November 28, 2025
kenny
Very easy application to fill out such…
Very easy application to fill out such a easy process would recommend this loan company
November 28, 2025
DAVID ROBINSON
Great quick service
Great quick service
November 28, 2025
paul bowen
5 star company
Very easy reasonable rates.fast deposit
November 28, 2025
Jane Brown
easy
so easy and straightforward to get a loan and not paying the earth on interest
November 28, 2025
customer
it was easy and straightforard
it was easy and straightforard. very helpful
November 27, 2025
Lee
Excellent service as always help just…
Excellent service as always help just when I need it
November 27, 2025
Peter Carr
Great customer Service
Nice and friendly staff who go out of their way to help and explain the process. Would absolutely recommend this company.
November 27, 2025
Joanna Daniels
Fast and easy application.
Fast and easy application.
November 27, 2025
D mac
Great experience
Great experience, easy to use app, and customer service excellent , very happy thank yiy
November 27, 2025
David Dunn
Easy to use
Easy to use, and get sorted.
November 27, 2025
Martin henson
Absolutely beautiful savers
Absolutely beautiful savers
November 27, 2025
Mr Peter Sunyko
One of the quickest and straightforward applica...
Took me less than 5 minutes from my clearscore triple lock guarantee screen to finalise and singn the needed loan. Do i have to say more?
November 27, 2025
Craig Flynn
Simple,easy to follow steps
Simple,easy to follow steps
November 26, 2025
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.
