Updraft 4+

A loan to pay off credit cards


Designed for iPad

    • Free



Pay off your credit cards and overdrafts to achieve your life goals faster.

We’re already compatible with most major UK Banks and lenders.

These major publishers have recommended us: Forbes, The Times, Daily Mirror, Yahoo Finance! and The Guardian.

Updraft was selected as one of 15 finalists backed by the OpenUp 2020 campaign run by Open Banking Ltd and Nesta to recognise the most innovative fintechs building open banking led solutions.

Here’s a few of our most important features:

Updraft Credit

Too many people pay an unnecessarily high interest rate on their overdrafts, credit cards, and personal loans. That's why we created Updraft Credit. We want to give the power back to you by refinancing these borrowings at a lower interest rate, whenever it is most advantageous.

Check eligibility for Updraft Credit, use it to pay off borrowings such as credit cards, loans and overdrafts.

Check your eligibility with no impact on your credit score.
Save £s and pay off your loans, credit cards and overdraft faster than ever.
Make over payments anytime you like with zero fees or penalties.

Subject to approval - Representative 17.9% APR

Track Your Spending

Connect your bank and credit card accounts to give yourself a 360 degree view of your bills and spending. Check all of your transactions and bills in one simple to use space.

Free Credit Report

Monitor your financial profile with your free credit score and report. Track all of your credit accounts, searches and credit history whilst receiving tips and recommendations to improve your credit score.

Money Talks

Instantly chat with our UK based money team; they’re on hand to answer all of your finance questions and anything else you need whilst using Updraft.

Safe and Secure

We've built Updraft with your privacy and security in mind, we never share your data with any other parties without your explicit consent.

FCA Regulated

We're authorised and regulated by the Financial Conduct Authority as Fairscore Ltd with reference numbers 810923 and 828910.

What’s New

Version 3.9.5

Say hello to an all new Updraft. Same name, damn new beautiful app to get your hands on. We’ve made everything better; a faster way to check eligibility for Updraft Credit, easier to get your free credit score and report, plus a safer way to connect your bank account and review your finances.

Tell us, do you love the colour Blurple? You better, because there is lots of it, and darn, we love it.

Ratings and Reviews

4.2 out of 5
754 Ratings

754 Ratings

CP-Barnet London ,

Brilliant Company with friendly staff.

Just short of six months into my journey with Updraft helping me sort out and clear some of my credit card bills I got each month with high interest rates that at the moment are increasing more and more. Updraft was easy to set up the account with them and to work with them with what they need to help. They in my case soon made an offer to clear some credit card debts at a staggering 60% less interest I was being charged, slashing the time by half to getting the money paid off and back to Uprdraft. My credit score is slowly increasing but often bi weekly which in turn is opening more doors with more favourable interest rate offers. I can’t thank them enough for helping me get back on the right path in half the time it would of done on my own. Highly recommended by me such friendly staff too that I’ve dealt with so I’m more than happy to speak out and give them a glowing reference. Anyone reading this and doubting them don’t you could be as settled as I’m now feeling which I have not for a long time.

locket72 ,

Can’t thank enough!

I know this sounds daft but getting a loan to pay off some of my credit cards from updraft has taken such a weight off my shoulders. Yes, I’ve still got debt but I’ve now got peace of mind that in a certain amount of payments I’ll be debt free and that is worth so much. People complain and say, “why did you get in so much debt” etc etc but everyone’s circumstances are unique to them and it’s not always through unnecessary spending that people get into debt. So the fact that updraft listened and accepted my application shows that there is support out there when your bank won’t help. My credit score on Experian was in late 900s but my bank and others wouldn’t lend for consolidation loan as they said I’d used my available credit and no matter how I explained that I didn’t want more credit on top of my cards I wanted to clear them and have lower outgoings, they just all declined. Updraft were professional, easy to interact with and extremely quick. I’d highly recommend. 😃 genuine review

Shelbie1974 ,

Early in my updraft journey but it’s a massive thumbs up from me ...

So obviously the app is new to the App Store - but my ‘journey’ so far with Updraft/Onpath have been faultless and quite frankly I can’t recommend them enough.

I wasn’t sure ethical and borrowing money could be spoken in the same sentence but it is what I was looking for.

I found updraft via social, then did some research (which? And various other things I came across)

I wasn’t in a financial hole but wanted an opportunity to do things better, with someone that would give me a chance and understand my finances were not just what you see ‘on paper’ or a credit report.

In short, I got a semi-substantial loan to cover the balance of some consolidation- at a very decent interest rate compared to my credit card and even balance transfer deals, and a very quick simple process of application and registration.

Pretty much seamless and I find the app the same. It’s simple to use, everything at a glance... easy to connect your bank if you want to and a credit score if you are interested in that too. I especially like being able to see the amount on my loan delet monthly in a simple visual way. That works for me.

If I had to sum up my experience with updraft, I’d say it’s like conversing with a ‘person’, not an app or a process... and that is what keeps me engaged. My plan is to pay off my loan and the. Use their guidance to accrue savings and manage my money well for the future.

App Privacy

The developer, FairScore, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Identifiers

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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