Updraft: Pay Off Card Debt
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About this app
Updraft helps people pay off credit card debt.
Cards are built to keep you paying. Make the minimum payment and most of it goes on interest, so the balance barely moves. Updraft shows you what your cards are really costing, then helps you pay them off faster.
HOW IT WORKS
See what you owe. Link your cards through open banking and every balance sits in one place.
See what it's costing. The real interest you're paying, and how long your cards will take if you only ever pay the minimum.
Pay it off faster. Updraft brings your credit card balances into one payment, sometimes called debt consolidation, so more of what you pay goes on the debt, not the interest.
LOOK AROUND FIRST
No account, no password, nothing handed over up front. Download for free and explore. When you're ready, link a card or your bank and your real numbers fill in. Checking your own details won't affect your credit score.
YOUR CREDIT REPORT, FREE
Your credit score shapes what you can borrow and what it costs you. Create your account and your credit report and score are there, free, with no catch and no subscriptions to cancel.
WHY PEOPLE USE UPDRAFT
Over 1,000,000 members. More than £750 million of credit card and overdraft debt paid off. Voted best personal finance app at the British Bank Awards 2026, by the people using Updraft to pay off their credit card debt. Authorised and regulated by the Financial Conduct Authority.
Free to download. If you take out an Updraft loan to pay off your cards, it carries interest like any loan, and the rate you're offered depends on your circumstances.
Cards are built to keep you paying. Make the minimum payment and most of it goes on interest, so the balance barely moves. Updraft shows you what your cards are really costing, then helps you pay them off faster.
HOW IT WORKS
See what you owe. Link your cards through open banking and every balance sits in one place.
See what it's costing. The real interest you're paying, and how long your cards will take if you only ever pay the minimum.
Pay it off faster. Updraft brings your credit card balances into one payment, sometimes called debt consolidation, so more of what you pay goes on the debt, not the interest.
LOOK AROUND FIRST
No account, no password, nothing handed over up front. Download for free and explore. When you're ready, link a card or your bank and your real numbers fill in. Checking your own details won't affect your credit score.
YOUR CREDIT REPORT, FREE
Your credit score shapes what you can borrow and what it costs you. Create your account and your credit report and score are there, free, with no catch and no subscriptions to cancel.
WHY PEOPLE USE UPDRAFT
Over 1,000,000 members. More than £750 million of credit card and overdraft debt paid off. Voted best personal finance app at the British Bank Awards 2026, by the people using Updraft to pay off their credit card debt. Authorised and regulated by the Financial Conduct Authority.
Free to download. If you take out an Updraft loan to pay off your cards, it carries interest like any loan, and the rate you're offered depends on your circumstances.
See what your credit cards really cost, then pay off the balance faster.
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
What’s new
We’ve made everything better again; a faster way to check eligibility for Updraft Credit, easier to get your free credit score and report, plus improved home and transaction views
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About the developer
Fairscore Ltd
support@updraft.com
5 Merchant Square
LONDON
W2 1AY
United Kingdom
+44 7481 945313