Credit that lifts you
Flexible loans to pay off credit 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 held back to lifted up
See how UK customers use Updraft’s debt consolidation loans to clear credit card debt.
John Gregory
Amazing support throughout
Amazing support throughout. Fantastic to be able to pay card directly. Saving over £240 per month and half the interest i would have paid with the credit card. Definitely recommended and the app ...
February 7, 2026
customer
It’s been a great very quick and…
It’s been a great very quick and efficient experience
February 7, 2026
Guest
So easy to work with and use the website
So easy to work with and use the website
February 7, 2026
Lee Thompson
Really easy to use great service easy…
Really easy to use great service easy process
February 7, 2026
Shaun Mcgee
It was quick and easy
It was quick and easy
February 7, 2026
Michael Daly
The company delivered on time and the…
The company delivered on time and the rate given was very reasonable compared with other lenders.
February 7, 2026
Anne Turner
User friendly website
The website was easy to use and good correspondence throughout.
February 6, 2026
Rosemary Carroll
Very easy to apply ..great communication
Very easy to apply ..great communication
February 6, 2026
Customer
Easy application and very fast response
Easy application and very fast response
February 6, 2026
Maria Ramos
Simple and easy.
Simple and easy.. Not complicated, and speedy reply. The best so far to deal with when needing a loan. Thank you.
February 6, 2026
Natasha
Very quick and easy to process
Very quick and easy to process
February 6, 2026
Edward Haines
I was absolutely drowning in dept had…
I was absolutely drowning in dept had no money, tried multiple companies for a loan to consolidate my dept all had outrageous interest rates!!!! Seen updraft on TikTok gave it a look and oh what a ...
February 6, 2026
Godelive Kulimushi
That you are excellent
Your help is excellent
February 6, 2026
Mofe Uvwoh
Process was smooth
Process was smooth
February 6, 2026
Cyril
It was a quick application process
It was a quick application process. Thank you.
February 6, 2026
Narvin
Great service
Great service
February 6, 2026
Jonathan Haacke
I’ve only just started with Updraft
I’ve only just started with Updraft, so I can’t say too much yet. I applied for the loan to pay off my credit cards. The whole application process is done through the app, which I found difficult t...
February 6, 2026
Jackie Mcasey
Was easy to apply good communication
Was easy to apply good communication
February 5, 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.
