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.
Andrzej Dabrowski
Perfect no issues .
Perfect no issues .
January 8, 2026
Debra Kay Sealy
Easy straightforward process
Easy straightforward process
January 7, 2026
Kay
Easy to apply no hidden fees
Easy to apply no hidden fees
January 7, 2026
Vanessa Hewitt
Very easy to complete
Very easy to complete
January 7, 2026
MR JONATHAN SNIPE
Really easy application process
Really easy application process. Very transparent and efficient. Can’t really ask for much more.
January 7, 2026
G Sherlock
Easy process from start to finish
Such an easy process from start to finish, had great communication via emails with steps along the way, couldn’t fault the whole thing, everything worked as it should, now I can sort my finances ou...
January 7, 2026
Sergio Garcia
Perfect
Perfect, simple, and very fast. I recommend it.
January 7, 2026
Customer
No problem with filling in the forms
No problem with filling in the forms, got a slightly better apr than I initially thought and a decision in 2 minutes 👍👍👍
January 6, 2026
Mr Mark slack
I found the process easy & a quick…
I found the process easy & a quick response regarding the application.
January 6, 2026
Kenneth John
Amazing and fast
Amazing and fast
January 6, 2026
Eliza
Quick ,hassle free.
Quick ,hassle free. Very impressed
January 6, 2026
Joanne Lowe
Fantastic communication
Fantastic communication. They were very helpful and thorough. Friendly team. Thank you.
January 6, 2026
Michael Mccarlie
Great application process
Great application process, easy to understand and would highly recommend.
January 6, 2026
Andrew Macro
Super easy the process was good quick…
Super easy the process was good quick easy
January 6, 2026
Lee horner
Excellent service very smooth…
Excellent service very smooth application from start to finish thankyou
January 5, 2026
John mappin
Easy and transparent
Quick and easy process
January 5, 2026
Israel Odige
The company is very sincere and genuine…
The company is very sincere and genuine and fast in their dealings
January 5, 2026
Simeon Stanev
Quick and easy highly recommend
Quick and easy highly recommend
January 5, 2026
Rob Heaton
Extremely efficient from start to…
Extremely efficient from start to finish, no fuss documents sent out easy and very responsive to email questions. Highly recommend
January 5, 2026
Dale Taylor
Quick and easy
Quick and easy
January 4, 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.
