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.
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
Very smooth professional service.
October 22, 2025
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
Quick and easy application and descion.
October 22, 2025
So easy and unitrusive to navigate. Would thoroughly recommend.
October 21, 2025
Extremely easy and efficient. Will recommend to others
October 21, 2025
Can’t thank updraft enough for helping me
October 21, 2025
Helping me pay my dragging out credit card debt
October 21, 2025
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
So easy to fill in the forms and very quick decision
October 21, 2025
Easy application with clear explanations.
October 20, 2025
It was so easy to make an application and the promptness to get a decision is what stands out for me
October 20, 2025
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
The whole process was simple to follow and the funds once approved were in my account within3 days … amazing !!
October 20, 2025
Easy and transparent application process. The loan was in my account very soon after approval.
October 20, 2025
Perfect and fast. No phone calls just simple application. Simple perfect.
October 20, 2025
Great terms and very fast.
October 20, 2025
Very speedy and highly efficient service, would highly recommend Updraft.
October 20, 2025
Quick and easy process!
October 20, 2025
Was a quick and easy service to use!
October 19, 2025
Enter a few details about yourself, your earnings and outgoings
Connect your bank to Updraft so we can verify your identity and income
If approved, customise your loan and we’ll send you the funds
Securely view all your bank accounts and credit cards in one place — and spot what’s costing you most.
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.
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.
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.
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.
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.
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.
Want to know where your credit stands? We’ve got you covered with a totally free credit score and report — right inside the Updraft app. It’s super handy for checking your credit history, spotting what you can improve, and keeping an eye on how you’re doing.
We make credit scores less confusing and help you take control of your finances.
Download the app and get your free report today.
With Open Banking you can safely share your bank details with approved apps and services, just like us. It helps us help you manage your money better. It’s the trusted way to share information that is used by all major UK banks, think HSBC to Monzo, Lloyds to Starling, and everything in between.
Only regulated companies can ask you for access, and it’s all done with your clear permission every step of the way.