Also known as: Updraft
Fairscore Ltd (trading as Updraft) is a fintech lender incorporated 17 July 2017, authorised and regulated by the FCA (FRN 810923). Updraft is distinct from Creditspring/Inclusive Finance Ltd — it is a separate legal entity. The app aims to help customers reduce expensive credit card balances and overdrafts through a consolidation loan. Formerly may have operated under a different model; note: Creditspring is a trading name of Inclusive Finance Limited (FRN 786052, CH 10522518) — a separate firm at 7 Swallow Place, London, W1B 2AG.
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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 and social proof
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.
Ask Fin gives you simple money tools for budgeting, spotting savings, checking possible benefit areas and building better money habits. General guidance only — not regulated financial advice.
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