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 19.9% 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 14% to 41.7% APR, £1000-£25,000, over 1-5 years available.
From held back to lifted up
See how UK customers use Updraft’s debt consolidation loans to clear credit card debt.
Ada
Quick service
Quick service. Seems really organised.
February 21, 2026
Joanne
Absolutely brilliant service
Absolutely brilliant service
February 21, 2026
MASH
From application to acceptance
From application to acceptance; smooth all the way!!!
February 21, 2026
SUTHAKARAN
Very good easy way I’m glad and happy
Very good easy way I’m glad and happy
February 21, 2026
Jessica Boardman
Friendly team
Friendly team, quick responses and very helpful!!
February 21, 2026
SarahR
Amazing service!
Amazing service!
February 21, 2026
lindsay
Fantastic
Fantastic. Quick and easy process .
February 21, 2026
Matthew
Efficient and reliable
Efficient and reliable
February 20, 2026
Steven Baker
Easy to apply for the loan very impressed
Easy to apply for the loan I was pre approved through ClearScore now waiting for the money to go into my account I’m ver pleased with Updraft
February 20, 2026
Michael Fawcus
easy to understand and to get the…
easy to understand and to get the desired outcome as quick as possible, thank you ☺️
February 20, 2026
maria
Good communication easy process
Good communication easy process
February 20, 2026
Annabelle Pilson
Absolutely brilliant
Absolutely brilliant - very clear, guided through the process really well.
February 20, 2026
AI
be truthful
perfect service, no delays whatsover
February 20, 2026
Jason Harris
Quick
Quick. Easy. Perfect !!
February 20, 2026
Erich Landsberg
The process was very easy
The process was very easy. Tried to pay of capital one and 118118 but they didn’t accept the cards so the money was transferred within 24hrs to my bank account and now it is all paid and the intere...
February 20, 2026
Marc
Quick decision
Quick decision, informed choices and swift responses
February 20, 2026
Ilonka
Fantastic service
Fantastic service, very easy application and good affordable rates
February 20, 2026
Aideen
Easy and straight forward
Easy and straight forward Very happy
February 19, 2026
ANTHONY FENNELL
No hassle ARP more then I expected but…
No hassle ARP more then I expected but beggars can't be choosers does what it says on the tin, loan to pay off my credit cards job done just need to pay this back then I'll be real happy
February 19, 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.
