About Updraft
Why we exist.
Updraft exists to help people move forward with their money.
Too often, credit isn’t designed to help you make progress. It’s designed to keep you paying, juggling balances, and feeling like you’re never quite getting ahead. We believe credit should do the opposite.
For us, credit isn’t the goal. Progress is.
That’s why we built Updraft – to support people as they pay down credit card debt, regain control, and move forward with confidence, one step at a time.
The problem with credit today.
Millions of people are juggling credit cards, overdrafts and other forms of consumer debt. Not because they’re careless, but because the system makes it easy to get in and hard to get out. Balances roll over. Interest piles up. Payments feel endless. And the longer you stay stuck, the more the system profits,
Traditional credit often thrives on complexity and confusion. It keeps people guessing what they owe, who they need to pay next, and how long it will really take to clear their debt.
We think that’s broken.
Managing credit shouldn’t feel overwhelming or shameful. It should feel clear, fair and genuinely helpful.
Visit our guides for Clearing Credit Card Debt and Debt Consolidation for some simple life hacks that help you avoid the traps.
What we believe.
We believe people who are juggling real life deserve credit that works as hard as they do. That means:
Credit that helps you make progress, not just minimum payments
Clear paths forward, with less stress and less noise
An approach that puts understanding and confidence first
Support without judgement, jargon or hidden traps
We don’t believe in revolving debt loops or unclear outcomes. We believe in transparency, momentum, and an actual end in sight. Because when credit is built around progress, it can lift you – not hold you back.
“Too many people are doing the right things and still feeling stuck with their credit. We built Updraft to change that – to give people clarity, confidence, and a way to move forward that actually fits real life. Credit should lift you, not weigh you down.”
Updraft Founder & CEO
Built by people who care about getting credit right.
Updraft is built by a team of people with deep experience across credit, risk, technology and customer support. From engineers and data scientists to compliance and operations, teams across London, Manchester and India work together to build credit that works better for real life.
If you want to see the people responsible for how Updraft is run, you can meet our leadership team.
What Updraft does.
Updraft helps people take control of credit card debt and move forward with a clear plan.
Through our app, we give people a simpler way to manage and pay down their credit, with full visibility of what they owe and a clear path ahead. No juggling multiple cards. No guessing what comes next.
Alongside credit, we offer tools and support that help people understand their money better, build healthier habits, and make decisions with confidence – including a clearer view of how their credit profile works. Our guide to credit scores explains what they really mean and how small changes can make a difference over time.
Everything we do is designed to make progress feel possible and manageable, not overwhelming.
How we’re different.
Most credit products focus on lending more. Updraft focuses on helping people move forward.
We’re different because:
We’re built around paying down debt, not extending it
We prioritise clarity over complexity, so people always know where they stand
We support progress with tools, transparency and real human support
We design credit to fit real life, not perfect spreadsheets
There are no hidden fees, no revolving traps, and no confusing fine print. Just a clear, fair approach to credit that puts people first.
Because when credit is designed around progress, better outcomes follow.
Built to be trusted.
When it comes to credit, trust matters.
Updraft is a UK-based, FCA regulated company, built to support people making real financial decisions. We take security, privacy and fairness seriously, and we design everything with long-term outcomes in mind.
But the strongest proof doesn’t come from us. It comes from the people who use Updraft to take control and move forward. That’s why we’re proud to share feedback from customers who’ve trusted us with their credit and their progress.
From held back to lifted up
See how UK customers use Updraft’s debt consolidation loans to clear credit card debt.
mick
Fast and easy application process
Fast and easy application process, good rates of interest and affordable monthly payments.
April 11, 2026
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
Rated 4.8 stars
Recognised for doing credit differently.
When it comes to credit, trust is earned over time.
Updraft is built to meet the highest standards of regulation, security and fairness. We’re proud to be a UK-based, FCA regulated company, focused on long-term outcomes rather than quick wins.
Along the way, our approach to credit and customer support has been recognised by independent organisations across the industry. Visit our awards and recognition page for more details.
Updraft Awards & Recognition
Recognised for helping UK borrowers take control of debt.
Built for progress. Today and beyond.
Updraft is built around one simple idea: progress should be possible, even when money feels complicated.
Right now, that means helping people take control of credit card debt and move forward with clarity and confidence. Over time, it means continuing to build tools, support and smarter ways to use credit that fit real life – not perfect spreadsheets.
We’re here to help people move forward, one step at a time.
Because credit should lift you, not hold you back.
Ready to get started?