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.
DARREN ROBERTS
Very quick with the paperwork
Very quick with the paperwork
December 17, 2025
Claire
Easy to complete application process
Easy to complete application process. Clear concise information. Quick decision.
December 17, 2025
Consumer
The application was very…
The application was very straightforward and the outcome was very quick
December 17, 2025
Ian palfrey
Everything was quick and easy from…
Everything was quick and easy from start to finish. Excellent service.
December 17, 2025
Alison Elliott
Very quick and simple
Very quick and simple
December 16, 2025
customer
Very fast service recommended to anyone
Very fast service recommended to anyone
December 16, 2025
Roseanne Lewis
Really easy and quick service
Really easy and quick service
December 15, 2025
Russ Vandyke
Just a great help
Just a great help
December 15, 2025
Ian Lovett-Chapman
Easy and great service
Easy and great service
December 15, 2025
john mckenzie
Very easy to follow instructions and…
Very easy to follow instructions and easy process.
December 15, 2025
H Woodland
Brilliant experience
Brilliant experience. I applied for the loan to pay off credit cards and they were very thorough, asking lots of questions, but it was all for the right reasons so they could give me the best outco...
December 15, 2025
Gary
Absolutely fabulous from start to…
Absolutely fabulous from start to finish! Easy and stress free and made the whole process so simple just like how life in full should be. Thanks Updraft!
December 15, 2025
Toni-Lee
Very simple process
Very simple process
December 14, 2025
Mr Harris
Easy to use quick to respond
Easy to use quick to respond, recommended to all
December 13, 2025
Stephen Watt
Quick decision and easy walk through
Quick decision and easy walk through
December 13, 2025
Jaslyna
Quick fund transfer
Quite straightforward application process. The funds transferred within 3 days. Although interest rate is quite high but Great experience overall.
December 13, 2025
Lucy Clark
Great Service highly recommend
Was easy and quick. No fuss!
December 12, 2025
TK
100% recommend
100% recommend This easiest, lowest apr and hassle free loans on the market for me! Other places offering double the apr compared this Updraft! So happy
December 12, 2025
Jamie Yardley
Perfection
Perfection Explained well and easy from start to finish
December 12, 2025
Sarah Clark
Process really easy
Process really easy. The decision came back quickly.
December 12, 2025
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.
