Credit that lifts you
Flexible loans from 14% APR to pay off 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 14% to 41.7% APR, £1000-£25,000, over 1-5 years available.
From held back to lifted up
See how UK customers use Updraft’s debt consolidation loans to clear credit card debt.
Neil Summers
Easy and stress free would recommend…
Easy and stress free would recommend and use updraft again thanks
April 11, 2026
Chun hock Lu
Super easy application.Fill in a few…
Super easy application.Fill in a few details regarding out going ,income and it take less then 10 mins for my loans to be approved.
April 10, 2026
Alana Stillwell
really quick easy and simple!
really quick easy and simple!
April 10, 2026
Contantin
Fast aplication + good app
Fast to apply l, very transparent and the app is very useful has a lot of info plus a credit score checker.
April 10, 2026
Marina
Process easy and straigth forward
Process easy and straigth forward. I was worrying itwas going to be rejected instead they been able to help me out.
April 10, 2026
Gary Mallett
Amazingly fast process.
The whole process from start to finish was so simple and extremely quick. From being accepted to signing the documents took less than 3 minutes! Very pleased with how this company works!😀
April 10, 2026
Michelle
Quick at responding
Quick at responding, all vital information given and no fees to repay loan early. Excellent
April 10, 2026
Katarzyna
Everything was professionally handled
Everything was professionally handled. Everything is transparent.
April 10, 2026
Mansft
Nice and easy to use
Nice and easy to use, transparent with information and charges etc. Quick and efficient service
April 10, 2026
Dorothy
Trust
Professionalism
April 10, 2026
Helen Calisto
Excellent Service
The application was easy and the feedback excellent. I would recommend Updraft to friends and family .. My experience with Updraft was phenomenal. 5*
April 9, 2026
Heather
Friendly staff
Friendly staff, really patient and helpful, especially when I got things wrong but nothing was to much trouble.
April 9, 2026
Paul Dutton
Very good to deal with and friendly
Very good to deal with and friendly
April 9, 2026
Hannah King
Very quick decision
Very quick decision, not drama getting the funds
April 9, 2026
Al
Quick response
Quick response
April 9, 2026
Cristian Doblado
excelent and easy
excelent and easy
April 9, 2026
Connor Weller-Banks
Loan application was really quick &…
Loan application was really quick & super simple
April 8, 2026
Borislav Dyulgerov
Easy and quick application process
Easy and quick application process. loan with a much lower interest rate.
April 8, 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.
