Updraft helps people pay off credit card debt. If you are working, juggling two or three cards, maybe an overdraft too, and you want the whole thing tidied into one plan you can actually see the end of, you are exactly who we built this for.
Most people with card debt do not have one big balance. They have a few small ones, spread across different cards and statements, each with its own rate and its own minimum payment. Nobody adds it up because adding it up is miserable.
The free Updraft app does the adding up for you. Connect your cards and accounts and every balance appears in one place, with the interest you are paying on each one and a payoff timeline that shows how long it will really take. It is free, on iOS and Android, and you can read more about it on the Explore the app page.
Card interest is quiet. It arrives as a line on a statement, charged on a balance you stopped looking at months ago, and the minimum payment is set just low enough that the balance never seems to move. Paying the minimum is not a plan; it is a subscription to the debt.
Updraft shows the true cost. What you are paying each month, how long minimum payments actually take, and what changes if you pay a little more. Run your own numbers with our Pay Off Calculator, or read the full walkthrough of How to Pay Off Credit Card Debt.
Here is the part where Updraft becomes a lender, not just a mirror. Once you can see every balance, you can choose to replace them. Updraft replaces your cards and overdraft with one fixed-rate loan: one fixed monthly repayment, a rate that never changes for the whole term, and an end date you can put in the calendar.
And the important bit: the money goes to the card providers. Updraft can pay them directly, so the balances are cleared, not moved to another card to start charging interest again after a promotional period ends. This is not a balance transfer. It is a loan built to repay the debt, not relocate it.
A soft search shows your eligibility and your rate before you make a full application, and it does not touch your credit score. No guesswork, no blind applications, no damage from checking.
And the decision is made on real affordability, not your credit score alone. Updraft looks at your actual income and spending alongside your credit file, because a number on a file says far less than what your bank account says every month. Our customers tell us on Trustpilot that the process was quick and simple, and that is what we aim for every time.
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.
Rates run from 15.3% to 41.2% APR, and yours depends on you. That is why the soft search exists: you see your actual rate before you commit to anything.
Updraft is for working people who use credit to afford everyday life and want to sort it out. Not people in crisis, and not people looking to fund a purchase. If you have regular income, a UK bank account, and card or overdraft balances you want gone, that is our territory.
If you are in financial difficulty, Updraft is not the right answer, and we will say so. Free, independent help is available from StepChange, National Debtline, Citizens Advice or MoneyHelper, and we would rather point you there than sell you a loan you cannot comfortably repay.
Updraft is a UK lender, authorised and regulated by the Financial Conduct Authority (firm reference number 810923), operating as Fairscore Ltd. Over one million members have used it, and more than £750 million of credit card and overdraft debt has been paid off. We were named Best Personal Finance App at the British Bank Awards 2026, voted for by the public, and our customer support is human, with real people at the end of the phone.
You do not have to apply for anything to get value here. Download the app, connect your cards, look at the numbers. Then, when you are ready, check your eligibility with a soft search and see what your rate would be. For more on how people in your situation think about this, spend some time with Money Talk, our home for honest writing about credit, cards and clearing balances.
See what you owe. See what it is costing you. Pay it off faster. That is the whole idea.