Credit that lifts you
Flexible loans from 14% APR to pay off card debt and consolidate balances.
Representative Example
24.6% APR Representative based on a £10,000 loan over 60 months at 19.4% fixed interest p.a. Monthly repayment: £277.31 Total repayable: £16,639 (inc. £600 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 14% to 39.8% APR, £1000-£25,000, over 2-5 years available.
From held back to lifted up
See how UK customers use Updraft’s debt consolidation loans to clear credit card debt.
Grzegorz Gajecki
So smooth so easy
So smooth so easy
July 30, 2026
Rhys Davis
Very easy to navigate and very quick to…
Very easy to navigate and very quick to receive the loan
July 30, 2026
Michael
Very lovely service
Was easy to apply and very good service
July 30, 2026
Anthony M,
very pleased with how simple and…
very pleased with how simple and uncomplicated the application went, although the funds is taking time to become available.
July 30, 2026
Socorrina Peixoto
I’m very happy with the service I…
I’m very happy with the service I received.
July 30, 2026
H M
Very easy and straight forward
Very easy and straight forward, took les than 3 days to receive the money
July 30, 2026
Aneisha
Updraft has been a game changer for my…
Updraft has been a game changer for my financial circumstances. The application process was quick, simple, and easy to understand from start to finish. Everything was explained clearly, and the who...
July 30, 2026
Edwige Noundjibay
Great service
Great service
July 30, 2026
Adewale Beyioku
Excellent service and prompt delivery…
Excellent service and prompt delivery of funds will recommend
July 30, 2026
Mrs Amanda Mcarthur
Quick friendly service
Quick friendly service
July 30, 2026
RK
Fab company
Fab company! I’ve been needing a loan as I had ann unexpected emergency and I was really worrying about this months finances. Unlike regular loan companies, updraft looks at your affordability each...
July 30, 2026
Anet undefined
It was quick
It was quick. Every step was really easy.
July 30, 2026
Wifemastro
Quick and easy
Quick and easy
July 29, 2026
Macaulay
Easy access quick response time.
Easy access quick response time.
July 29, 2026
Stephen Chenier
Money Made Easy
Made easy, stress free impressed so far.
July 29, 2026
Nosh M
All good
All good. Simple process
July 29, 2026
Laura
Great experience
Great experience. Quick transfer and easy application
July 29, 2026
Mr David Alberto
Very easy to do the application form…
Very easy to do the application form Very easy to understand would recommend 👌 thank you 😊
July 28, 2026
Marc Pearce
Exceptionally easy to apply and review…
Exceptionally easy to apply and review all the details
July 28, 2026
Rated 4.7 stars
Join the open beta
Be among the first to try the all-new Updraft app. Test new features, shape what’s next, and help us build a better way to manage your money.
Why Updraft?
Safe, secure, & regulated
Powered by Open Banking.
Securely view all your bank accounts and credit cards in one place — and spot what’s costing you most.
Updraft named in the UK’s 100 fastest growing companies, two years running
Double win for Updraft at the 2026 Credit Awards
Updraft named best personal finance app at the British Bank Awards 2026
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.
