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 19.9% 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 3.7.0

We've made some general performance improvements.

Ratings and Reviews

4.5 out of 5
328 Ratings

328 Ratings

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.

JaseOspina ,

Updraft and Claire set the standard of excellence

I came across updraft through an Instagram ad. I downloaded the app and went through the setup. Immediately you feel like updraft is designed to be something you can enjoy. The UI is fun and intuitive and adding bank accounts was easy enough.

My plan is to get married so I’m trying to get all my finances in order and to be able to have credit in the right places to cover all the costs. Claire was incredible! The chat support was flawless and Claire ensure that the borrowing was done in a responsible and ethical way.

Credit was approved quickly and in the account the day after I approved after a few messages with Claire. Interest rate was very reasonable. Couldnot recommend them enough. If you are in doubt, don’t be! You can trust and enjoy this experience. Not something you will read often about a financial service.

Jen 70LB ,

Great App, better than a bank

Financial struggles are bad enough without COVID-19 adding to it... needed help, tried the banks but to no avail...Updraft showed up on my social... I laughed, thought it was a gimmick... but hey, I thought, why not try it, I’ve got nothing to lose....

I was so wrong, but very pleasantly surprised... my contact was Ashley, she was great, after the initial sign up, I had around 2 emails requesting more info, by the 3rd , money had been okayed.... and was in my bank 36 hours later,(I did apply on a Sunday) needless to say I was so happy and spent the rest of the weekend sorting out the rest of my finances...

I would soooo recommend this app/ company and all those who helped with my situation.... thanks Updraft.. I am genuinely in your debt 😁

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


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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