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
Because the loan really helped coming…
Because the loan really helped coming up to Christmas when my cooker and washing machine both broke at the same time and I didn't have the money to pay for new ones
November 23, 2025
Emma
Easy to use
Easy to use, fast and simple
November 23, 2025
Jilly Mclean
Great and easy
Great and easy
November 23, 2025
Simon
Very easy to follow
Very easy to follow
November 23, 2025
lorraine phillips
Excellent efficient
Excellent service
November 22, 2025
Larry
I had a good experience it was fast and…
I had a good experience it was fast and money was transferred in a sort time
November 22, 2025
Andrea
Excellent customer service
Excellent customer service, easy and straightforward application process
November 22, 2025
David
Very easy to apply for
Very easy to apply for
November 22, 2025
Andrew McKay
Great & easy service
Great & easy service
November 22, 2025
holly howard
Simple site to follow
Simple site to follow. Communicate was really good. So far so good.
November 22, 2025
karl woodward
Create experience had to wait few…
Create experience had to wait few minutes to see if I’m eligible overall good service
November 22, 2025
Anwar Said
Quick and best advice
Quick and best advice
November 22, 2025
Saadia Thornton
Very quick and easy to apply
Very quick and easy to apply
November 22, 2025
Adrian
When you need help
When you need help, this is the team you can rely on.
November 21, 2025
Scott Robertson
Easy process
Easy process, funds received within 24 hours
November 21, 2025
Denise Codner
Good customer service 😊👍
Good customer service 😊👍
November 21, 2025
Leah Mcmillan
Simple process unbelievably fast…
Simple process unbelievably fast decision on loan cant recoment enough
November 20, 2025
customer
A great service was very happy with my…
A great service was very happy with my agreement no pressure to pursue, terms and conditions clearly displayed
November 20, 2025
Dianne Kenney
Updraft has made my life less stressful!
Updraft has been able to stop me from stressing about my finances. They have been able to get me back on track.
November 20, 2025
Miss. Adele Guy
great service
great service
November 20, 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.
