Paydown

Break up with your credit cards — for good.

Paydown helps you refinance high-interest debts like credit cards, overdrafts, and store cards into one affordable loan. No jargon, no judgement — just a smarter way to pay down what you owe, save money, and take back control.

Whether you’re looking to consolidate debt, reduce your interest rate, or finally get out of the credit card cycle, Paydown makes it fast, fair, and frictionless.

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Why Paydown?

• Lower Your Interest Rate
We help you replace high-interest debts with one lower-cost loan — potentially saving you thousands.

• One Simple Monthly Payment
No more juggling multiple cards or due dates. Just one payment, one plan.

• Fast, No-Impact Eligibility Check
See if you’re eligible in under 2 minutes — with no impact on your credit score.

• Borrow £1,000 to £25,000
Loan amounts tailored to your needs and repayment ability.

• Flexible Repayment Terms
Repay over 12 to 60 months — whatever works for your budget.

• Track Everything in One Place
See your balance, payments, and progress in the app at any time.

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What you can refinance:

• Credit Cards

• Overdrafts

• Store Cards

• Personal Loans

• Auto Finance

And more...

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Who’s it for?

Paydown is designed for responsible borrowers who want to reduce debt faster, save money on interest, and simplify their finances.

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Legal bit:

Maximum APR: 40.70% APR.

Credit available only to UK residents aged 18 and over.
Subject to status. Terms apply.

Representative Example: Borrow £7,500 repayable over 36 months at an interest rate of 21.5% pa (fixed) with monthly repayments of £280.10. Representative 22.40% APR. A total amount payable of £10,079.58, which includes a loan fee of £75 fee.

Clay Technologies UK Limited (trading as “Paydown”) is authorised and regulated by the Financial Conduct Authority (FCA) with reference 1017010.
Registered company number 15449195. Registered office: 30 Churchill Place, Canary Wharf, London, E14 5RE.

©2026 All Rights Reserved.

Recent changes:
We’ve fixed some bugs and made performance improvements to keep the app running smoothly.