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.
Mr Alex Moffatt
The whole experience of applying for a…
The whole experience of applying for a loan was quick and easy thanks a lot Alex.
January 24, 2026
Ben Jolly
Very easy process
Very easy process
January 24, 2026
CAMPION
Fast and efficient
Fast and efficient , easy to use
January 24, 2026
sam_clarke_hotmail.co.uk
The application process was easy to…
The application process was easy to follow and all conditions of the loan were explained very clearly
January 24, 2026
Wesley Honeychurch
Quick and efficient service
The application was straightforward and very quick. Decision made in minutes and funds were recieved the next day. The app is user friendly too.
January 24, 2026
Michelle louise
Very easy process from start to finish…
Very easy process from start to finish and quick
January 23, 2026
syed
Such an easy process
Such an easy process
January 23, 2026
DEBRA ANDREWS
Just very quick decision.
Just very quick decision.
January 23, 2026
Frank kay
Easy to understand system of…
Easy to understand system of application . Prompt payment
January 23, 2026
Michael Merritt
As in my previous dealings with Updraft…
As in my previous dealings with Updraft everything went really smoothly and cannot recommend them high enough. Very simple application and fair, rapid response.
January 23, 2026
Philip Wells
Excellent no fuss easy to use
Excellent no fuss easy to use
January 23, 2026
Nicola Smith
Easy application
Easy to apply.
January 23, 2026
Damion Austen
Fast
Fast and easy to use
January 23, 2026
Karen Stebbing
Super quick and easy experience
Super quick and easy experience
January 23, 2026
Andy
Very easy and quick process
Very easy application and process
January 23, 2026
Alister Clarke
Quick easy fast response had money…
Quick easy fast response had money within a day ..
January 23, 2026
Andrew Swinton
Superb service thanks
Superb service thanks
January 22, 2026
RHODALINE ARLOO
The loan application was stress free…
The loan application was stress free and much convenient. Not complicated like other lenders. I love it 10 starrr
January 22, 2026
Mrs S Johns
Quick application
Quick application, which relieved a lot of stress.
January 22, 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.
