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.
Derick Benson
The team was good in assessing the…
The team was good in assessing the application and the affordability. My case was a bit complex relating to heavy debt accumulated in my credit cards. I thought I was going to receive the usual ema...
October 18, 2025
Marie barnard
Finally I can get out of persistent…
Finally I can get out of persistent debt and start making some headway to paying off my credit card !
October 18, 2025
Jim
Very straightforward application
Very straightforward application process with clear and accessible information and tools.
October 17, 2025
Roxan
It was quick and easy
It was quick and easy , just when i needed it the money was deposited to my account right after i finished all the necessary that need to be filled in . Thank you so much .
October 17, 2025
Sj
Appiled and approved for a loan with a…
Appiled and approved for a loan with a quick and easy process, funds were in my account within a couple of days
October 17, 2025
Jeanette Dickson
It was a very easy process
It was a very easy process
October 16, 2025
Linda Connor
So easy and quick to apply
So easy and quick to apply
October 16, 2025
Mr pearce
Very good customer service
Very good customer service
October 16, 2025
Fiona Clark
Quick decision & easy application…
Quick decision & easy application process
October 16, 2025
Diane Ellis
Easy process with lots of clear and…
Easy process with lots of clear and helpful information throughout
October 16, 2025
Irfaan Atia
Easy to use and great customer service_…
Easy to use and great customer service_ helped me boost my credit ratings too
October 15, 2025
Viki Walsh
Amazing service
Amazing service. So easy I highly recommend updraft.
October 15, 2025
CHAITANYA BEDI
Fast and Reliable.
Fast and Reliable.
October 15, 2025
damian smith
Quick and easy process
Quick and easy process
October 15, 2025
Chris vines
Nice to work with
Nice to work with
October 15, 2025
Anca Preda
Very easy to apply and straight forward
Very easy to apply and quick
October 15, 2025
Paul
Absolute lifeline
A very simple application process and, once approved, was extremely easy to set up the amount of credit and repayment term. Affordable monthly repayments and have been able to completely clear my o...
October 15, 2025
Robert Thompson
1st Class experience …
This is the second time I have used updraft and have found on them on both occasions to be very efficient and helpful
October 14, 2025
James Edwards
Quick and easy through the updraft app
Quick and easy through the updraft app. Decision wasn’t as quick as I thought it would be as I had to send over some supporting documents but I wasn’t in a rush. Happy with the process overall.
October 14, 2025
Rated 4.7 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.
