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.
Mr Sam Myatt
Easy, Simple, Quick
Easy to use, simple and quick. Money arrived within 2 days
March 28, 2026
Paul
Easy peezy.
Easy peezy.
March 28, 2026
David Maloney
Great very well maintained
Great very well maintained
March 27, 2026
Eddie Sempiira
Well I'm so pleased of the…
Well I'm so pleased of the professionalism done as it was so fast and straight forward.
March 27, 2026
Miss Louanne Frost
Very quick and easy to use
Very quick and easy to use
March 27, 2026
Mr M J Matzk
Quick
Quick, easy, great rate
March 27, 2026
Karla Townsend
Quick service
Quick service
March 27, 2026
Bluefuzzman
Yous have given me a chance to feel…
Yous have given me a chance to feel comfortable and confident and less crippled by debt
March 26, 2026
Chijioke Ezeji
The response and clarifications are top…
The response and clarifications are top notch.
March 26, 2026
Alanna M
Quick and trustworthy
Quick and easy process
March 26, 2026
Ranj Ranko
Best option i would advise everyone to…
Best option i would advise everyone to get the fastest loan and transfer the funds to u within less than 3 working days
March 26, 2026
Lee elliott
A fast and easy service thankyou
A fast and easy service thankyou
March 26, 2026
Mahender Eslavath
Mister
I had Wonderful Experience with you App and service Thank you
March 26, 2026
Veer Singh
This was a great experience.
This was a great experience.
March 26, 2026
Mr Holt
Excellent experience
Excellent experience
March 26, 2026
A.LAM
Very fast and efficient process
Very fast and efficient process. Received loan within 2 working days. Would highly recommend.
March 26, 2026
Jesse james Sapinoso
hassle free application easily…
hassle free application easily transferred the loan amount offering a lowest interest rate compare to other lender.
March 26, 2026
Chris
Great company
I needed a little help and these guys came to the rescue. Such a smooth transaction. Made me feel completely comfortable. Thank you
March 26, 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.
