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.
Stuart
Even though I made multiple mistakes on…
Even though I made multiple mistakes on my application, they were able to sort them out quickly and efficiently for me, great interest rates even though my score is the greatest, nice and easy
February 10, 2026
Anon
Super quick and easy
Super quick and easy Desperate to pay off my credit cards Applied Accepted the next day Funds in my account within a week Would definitely recommend
February 10, 2026
Charlene Campbell
Quick and easy
Quick and easy
February 10, 2026
Michael Thomas Tarrobago
Awesome very helpful
Awesome very helpful
February 10, 2026
Mohammad Shariful Islam
Very easy to get a loan
Very easy to get a loan
February 10, 2026
John Ward
Quick and easy
Quick and easy
February 10, 2026
Mr Graham Bruce
Simple application process
Simple application process, and quite speedy. Good communication over their messaging system, and resolved my queries without the need for a telephone call.
February 10, 2026
John Dolan
So simple quick and hassle free
So simple quick and hassle free
February 10, 2026
Jason Talbot
Excellent
Easy application process. Great service
February 10, 2026
Chelm Sorin
Help on time
Very professional
February 10, 2026
Dariusz Hanczewski
Quite straight forward app
Quite straight forward app
February 10, 2026
Happy Customer
Very quick and helpful
Very quick and helpful - straight forward process, no judgement.
February 9, 2026
Damian Zajac
Great Company!!!
Great Company!!!
February 9, 2026
Sarah Jenkins
Great service
Great service quick and effective
February 9, 2026
Charlotte.
Really easy to apply
Really easy to apply. Peace of mind with lower monthly payments.
February 9, 2026
Aaron
Excellent customer service and super…
Excellent customer service and super quick response
February 9, 2026
tina hooper
I applied for a loan from Updraft
I applied for a loan from Updraft, this was convenient for me where my application was online. This was quick and easy and the response was straightaway. The funds were paid into my bank within a...
February 9, 2026
AJAY KUMAR MITTAPELLI
Surprised..! Very fast approval
It’s great experience with Updraft. It is very simple and fast approval.
February 9, 2026
Alan Parry
Communication about transfer of funds…
Communication about transfer of funds could have been faster - other than that, all good!
February 9, 2026
rburuian
Easy
Easy, I'm waiting for the money... thanks !!!
February 9, 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.
