Updraft helps people pay off credit card debt. It is a UK lender, authorised and regulated by the Financial Conduct Authority (firm reference number 810923), built for working people with two or three cards and an overdraft they want to clear. Instead of another product to juggle, Updraft gives you one plan: see what you owe, see what it is costing you, and pay it off faster.
If you have ever spread three statements across the kitchen table and still not known the total, that is the problem Updraft was built to solve. The free Updraft app connects your cards and accounts and shows every balance in one place, the interest you are paying each month, and a payoff timeline. Then, if a loan is the right answer, Updraft replaces the cards with one fixed-rate loan, one fixed monthly repayment, and a known end date.
Two or three cards and an overdraft become one fixed monthly repayment at a rate fixed for the whole term. There is no guessing what next month looks like, and no promotional period waiting to run out.
9%APR Representative based on a £10,000 loan over 60 months at 20.40% fixed interest p.a. Monthly repayment: £283.20. Total repayable: £16,992 (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 15.3% to 41.2% APR, £1,000–£25,000, over 2–5 years available.
Most people who come to Updraft are not in crisis. They are in work, they are paying the minimum, and they have never seen the whole picture in one place. The app changes that. Connect your cards and accounts and you see every balance, the interest being paid on each one, and how long minimum payments really take. It also includes a free credit score and report, bill tracking and spending alerts, on iOS and Android.
You can try the numbers for yourself with the pay off calculator, or read the full walkthrough of how to pay off credit card debt.
A soft search shows your eligibility and rate before you make a full application, with no impact on your credit score. And the decision is made on real affordability: your income and spending are assessed alongside your credit file, not the credit score alone. So if a high street bank has turned you down, Updraft may still be able to help. There is no guarantee of acceptance, and there never should be, but the decision is based on your actual circumstances, not a single number.
A 0% transfer moves debt to another card, and the interest returns when the promotional period ends. An Updraft loan is built to repay the debt: the money goes to the card providers, the balances reach zero, and you make one fixed repayment to a fixed end date. If you want to see how the two compare for your situation, start with a soft search and hold the result against any card offer.
Updraft is for UK working households: nurses, teachers, IT workers, mid-level managers, small business owners. People who use credit to afford everyday life and want to tidy it up. If that sounds like you, check your eligibility with a soft search and see your rate in minutes.
Updraft has over one million members and more than £750 million of credit card and overdraft debt paid off. It was named Best Personal Finance App at the British Bank Awards 2026, voted for by the public, and won Best Marketing Campaign of the Year at the Credit Awards 2026. Customers rate it highly too: Trustpilot sits at 4.7 to 4.8, Smart Money People at 4.88 from over 11,000 reviews, the App Store at 4.5 and Google Play at 4.8. Ratings move, so check the live figures on updraft.com. You can also view our Trustpilot reviews directly.
Behind the lending sit institutional partners including NatWest, Jefferies and Santander CIB, and behind the support sit real people, in offices in London and Manchester. No chatbot loops, no automated advisers.
The relationship does not end when the balance clears. Keep using the app to watch balances and your credit score, and read Money Talk, the Updraft content hub, for plain answers to questions like "should I get a loan to pay off my credit cards?". For a broader look at how members use Updraft and what they say about it, see our customer insights.
If you are in genuine financial difficulty rather than just tired of juggling cards, Updraft is not the right place to start. Free, independent help is available from StepChange, National Debtline, Citizens Advice or MoneyHelper.
See what you owe, see what it is costing you, and find out whether one fixed loan could pay it off faster. It starts with a soft search, it takes minutes, and it will not harm your credit score. Credit that lifts you.