Also known as: Updraft
FairScore Limited operates the Updraft brand, which provides a consumer credit product designed as an alternative to overdrafts and payday loans. Updraft offers a credit line that customers can use to pay off other debts at a lower interest rate, consolidating expensive short-term credit.
The Updraft app connects to your bank accounts via open banking and identifies expensive debts such as overdrafts. It then offers credit at a lower rate to replace that debt, helping customers reduce the cost of existing borrowing. The aim is to help customers refinance out of expensive credit and improve their financial position over time.
Updraft is aimed at customers who have manageable but costly short-term debt — for example, those repeatedly using their overdraft or paying high interest on a credit card. It is not designed for customers with very large or complex debt situations.
If you have an Updraft account and need to contact them, details are available on their website at updraft.com. FairScore Ltd is authorised and regulated by the Financial Conduct Authority.
If you are struggling with debt and need broader help than a refinancing product can provide, free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice.
Quick summary
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Main products and services
Personal loan product designed to consolidate and pay off credit card debt and expensive overdrafts. App-based. Updraft acts as agent of TrueLayer (FRN 901096) for regulated Account Information Services.
Trading names and group notes
Updraft (Fairscore Ltd) is NOT the same entity as Creditspring (Inclusive Finance Ltd). Both are separate FCA-authorised firms targeting similar underserved credit segments but with different models and legal identities.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.8
Approx. 5,000+ (as of mid-2026) reviews
Other review sources
Creditspring (Inclusive Finance Ltd) separately holds 4.8/5 Trustpilot rating with 25,000+ reviews
Overall public sentiment
Updraft: broadly positive, customers praise debt consolidation ease and transparency. Some negative reviews from customers unable to use for credit card payoff specifically. Creditspring (separate entity): excellent Trustpilot score 4.8/5, 92% five-star; low complaint rate, 91% FOS decisions in firm's favour.
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Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
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