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.
RIYA ROSE JOHN
Good one
Easy and fast
January 16, 2026
Jax
I was very impressed by the process of…
I was very impressed by the process of seeing if I qualified. Then being told how much i could borrow and what my monthly repayments and term would be. I was delighted as it paid off my credit ...
January 16, 2026
Dee Matt
Really easy process
Really easy process, and the money can get to you same day at times, really helpful service, very happy customer.
January 16, 2026
CONSTANTIN MARTIN
Very nice company
Very nice company And is sorted very fast în about 5 min Nice team the best
January 16, 2026
Lozza
Very easy application
Very easy application
January 16, 2026
Customer
Very helpful
Very helpful, quick and easy to apply. Everything done online. Would definitely recommend
January 16, 2026
MS LORRAINE THOMSON
Excellent service all round
Excellent service all round
January 16, 2026
Harry
Straightforward application
Straightforward application
January 15, 2026
customer
Excellent and quick approval amazing…
Excellent and quick approval amazing service
January 15, 2026
Paula
Very thorough and quick to respond to…
Very thorough and quick to respond to any queries
January 15, 2026
Ajae Robinson
wonderful and seamless service
wonderful and seamless service
January 15, 2026
Mr Dougherty
Great experience
No fuss, simple application and funds paid out in two days. Great experience all round 👍🏻
January 15, 2026
Dami
Overpayment Refund!!
So we got paid on the 19th of December and January seem like a long month! And boom an overpayment refund from updraft. Though not a lot but I’m hopeful😀.Now I’m rethinking loan is not too bad afte...
January 14, 2026
Kerry
Amazing company so easy to do business…
Amazing company so easy to do business with. Full 100 I definitely recommend.
January 14, 2026
lee dorney
Seem ok
Seem ok - we'll see re long-term
January 14, 2026
Timothy Riley
Easy application
Easy application
January 14, 2026
Jake Ward
There great they keep intouch thankyou
There great they keep intouch thankyou
January 14, 2026
Erica Faulkner
Very simple and easy to apply and set…
Very simple and easy to apply and set up direct debit. APR on loan was also very good as well.
January 13, 2026
Mark
Quick and easy application with a good…
Quick and easy application with a good rate of interest
January 13, 2026
michaela hawkins
The communication was excellent
The communication was excellent, very helpful responses to my questions and they were able to improve my offer very quickly. Quick and easy set up and the money was in my account the next working d...
January 13, 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.
