Updraft 4+

Lower the cost of your credit


Designed for iPad

    • Free



Lower cost loans so you can wave goodbye to credit cards, overdrafts and everything in between.

- Check your eligibility with no impact on your credit score.
- No fees for over payments or early settlement
- A clear path to pay off with no minimum payment traps

We’re Updraft, and we’re here to help you make changes that pay off.

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

We’ve been nominated for 3 British Banking Awards in 2023 - so you know you’re in great, safe hands.

1. Best Personal Loan Provider
2. Best Personal Finance App
3. Customer Service Champion.

Here’s a few of our most important features:

- Updraft Credit

Subject to approval - Representative 22.9% APR

- 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.

- Spend Tracking

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.

- 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.

Our Company Address

5 Merchant Square, London, UK, W2 1AY

What’s New

Version 3.9.29

We've updated our application journey to make things faster & fixed a few little bugs.

Ratings and Reviews

4.4 out of 5
2.4K Ratings

2.4K Ratings

Oringejooce ,

A huge weight lifted off my shoulders- I finally have a smile on my face!

I’m usually quite skeptical when it comes to services like updraft- always seems too good to be true, and always a catch but how wrong was I!
While keeping my credit score intact, Updraft somehow managed to save me a ridiculous amount of money a month in payments and interest savings and end results are now in reachable sight! Updraft have certainly given me that ‘leg up’ which is all people want especially in todays financial climate, a good reset and a clean up of my accounts which works absolute wonders!
Amazingly friendly and human services with really good communication- non judgemental. All they want to do is help and make sure our hard earned cash is not being thrown away at ridiculous interest rates and instead being put into paying back anything owed in a shorter period of time. Really easy to use app makes it so much better for clear viewing of what is actually going on- They just make finances real and not so intimidating!
Highly recommend, I wish I had looked into into sooner…… a lot sooner!

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

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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