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.
Anna Zannides
A smooth and easy process from start to…
A smooth and easy process from start to finish! Highly recommend.
December 27, 2025
ALISON
Definitely recommend
Definitely recommend! Really easy process and quick pay out!
December 27, 2025
Keith Woods
Efficient and very simple
Efficient and very simple
December 27, 2025
Ken
Fast
Fast, effective, professional!
December 26, 2025
Mr Richard Lawrence
Awesome and easy
Awesome and easy
December 26, 2025
Tiago Cruz
Amazing stress free company
Amazing stress free company
December 24, 2025
Tom Humphries
The process was easy
The process was easy. The things I like most is the little bits of advice in regards to paying off certain debts first. These little things will help you reduce your monthly outgoings in the best w...
December 24, 2025
Ross
Excellent Service
Excellent service, simple to understand, great infromation presented
December 24, 2025
John Mavazhe
fast in approving and processing
fast in approving and processing
December 23, 2025
Stefan
Great service very prompt and efficient…
Great service very prompt and efficient thank you
December 23, 2025
Linda
Easy to use
Easy to use, no hard sell.....Easy to understand!
December 22, 2025
Brent Ramsell
Excellent service and fast process.
Excellent service and fast process. Would recommend.
December 22, 2025
Karrie Heslop
Good service
Good service
December 22, 2025
Tracy Cook
Excellent team of people
Excellent team of people, really helpful and understanding and went through everything step by step. Would definitely recommend. Great customer service, professional and very helpful lot.
December 22, 2025
KAREN RICHMOND
Great company amazing service
Great company amazing service
December 22, 2025
Alicia Williams
Quick and straightforward
Quick and straightforward
December 21, 2025
David Tomkins
Realy fast and professional service
Realy fast and professional service
December 21, 2025
Deepa
Very good service and quick
Very good service and quick
December 21, 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.
