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.
Mr Vitalijus
Excellent way to borrow
updraft is an excellent way to borrow. For me it was very easy and quick, how I was looking for
December 7, 2025
April Aston
Thank you for believing
This was the simplist application for a loan ever . Well thought out website. Appreciate that you allowed me to help my debt consolidation when no one else would. You realise that you may have done...
December 7, 2025
Alex MacGregor
Very straightforward process.
Very straightforward process.
December 7, 2025
Neil G
One or two technical issues which they…
One or two technical issues which they solved- overall very pleased
December 6, 2025
PD
I was surprised that the decision was…
I was surprised that the decision was quite quick. Although the deposit to my bank account took a few days but nevertheless, my application went smoothly and they aimed to respond to my messages wi...
December 6, 2025
Geoffrey Bradley
Excellent
Very easy and very quick. 10/10 again
December 5, 2025
Klaudia Sliwa
Great
Great! All straightforward and clear. Thank you
December 5, 2025
karen thompson
very good,helped me loads
very good,helped me loads
December 5, 2025
Mark Platten
The whole process was very smooth and…
The whole process was very smooth and straight forward
December 5, 2025
Mr Lanza
The process was really quick
The process was really quick with just a couple of extra emails to check that things were right for me and it was sorted. The funds were available quickly and some paid direct to things I wanted pa...
December 5, 2025
Laura Pond
Helped me out
Helped me out, when others couldn’t. Really happy 😆
December 4, 2025
Mrs deborah ball-summerhayes
Hassle free loan that was tailored to…
Hassle free loan that was tailored to my needs.
December 4, 2025
Andrew Howard
Easy and quick
Easy and quick with a clear description on the decision.
December 4, 2025
Tommy
really easy and better than i expected
really easy and straight forward to apply, i got a quick responce from them and the website was simple enough to navigate. to top this off the offer i got was better than i expected
December 4, 2025
Elaine
Everything went so smoothly from start…
Everything went so smoothly from start to finish
December 4, 2025
Elena Busuioc
Fast and easy application
Fast and easy application
December 4, 2025
THE BIN
The Best of Best 👌
The Best of Best 👌
December 4, 2025
..
Always very good to work with
Always very good to work with
December 4, 2025
Achille Togbeto
Very quick and efficient lender!
Very quick and efficient lender!
December 3, 2025
Davy
Great service
Great service. Very easy to apply for and your kept informed each step of the way. Funds were available quickly and the app has all the info you need at your finger tips.
December 3, 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.
