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HOW IT WORKS

Consider Drafty your financial safety net. Here’s how to get started.

Apply.

We’ll make an instant decision if
you qualify.

Set a Credit limit.

Drafty gives you a pot of cash, up to £3000, that you can dip into whenever you need. If you don't use it, you don't pay a penny.

Flexible repayments.

There’s no charge for paying back early – that’s a good thing!

Get cash in minutes.

Draw up to your limit, anytime. We’ll get the money transfer process to your bank account started within 15 minutes.*

Credit Line, Payday Loans
& Overdrafts

WHAT’S THE DIFFERENCE?

When it comes to getting cash fast online, it can seem like there are lots of different companies all offering the same thing. However, a Drafty credit line is a new kind of product that can save you a lot of money in the long run. Here’s how we’re different from a payday loan (or any kind of short-term loan) and bank overdrafts.
Credit Line
Drafty is considered a credit line, where you only have to apply once to access a pot of cash, up to a £3000 limit, subject to approval. You can draw any amount of cash up to your limit at any time, and we'll transfer it to your bank account in minutes. As we've mentioned, we're a no-fee option – if you never use your credit line, you're never charged. Not even a single penny. You can find out more information on our How It Works page.
Payday Loans
Overdrafts

CUSTOMER REVIEWS

4.8 of 5 stars from 233 reviews

READY TO
GET DRAFTY?

Access up to
£3000 today.


Representative 89.7% APR
Drafty is a credit line with a Representative 89.7% APR, and a maximum APR of 91.2%. If you draw £50 against your credit line at 89.7% APR, it would be paid off in 6 months for a total of £60. There are no additional fees. There is no minimum repayment period and no maximum repayment period as long as you continue to repay the minimum payment amount. We don't offer fixed loans under 60 days.
CALL

0203 365 0135#

Personal Line of Credit - Drafty - 4.8 stars - out of 5 based on 233 reviews.
5 stars - "Very fast and easy to use."

^We think Drafty rates are something to be excited about, but we might not always be the cheapest option. Be sure to research before deciding on any financial product.

*Subject to credit line approval, you will receive cash through our Express Cash Transfer option for free if supported by your bank. We can initiate the transfer process of funds into your account within 15 minutes after final approval of your credit line subject to an assessment of affordability and credit worthiness. The time that it takes for cash to appear in your account will depend on your bank's policies and procedures.

#Call charges apply. Standard charges from BT landlines, mobiles and other providers may vary.

Responsible Lending: Carefully consider whether a credit line is right for your individual financial situation. Borrowing of this type is an expensive form of credit that may be appropriate for short term financial needs but which is not appropriate for longer term borrowing or if you are in financial difficulty. All credit line applications are subject to status, terms and conditions and to satisfactory passage of checks on credit worthiness and affordability.

Drafty is a trading name of Lending Stream LLC

Contact Address: Wisteria Grange Barn, Pikes End, Pinner, London, United Kingdom, HA5 2EX, E-mail: info@drafty.co.uk | Registered Address: 2711 Centerville Road, Suite 400, Wilmington, DE 19808, USA.| Registered in the State of Delaware,USA | Registration Number: 4124111 | Authorised and Regulated by the Financial Conduct Authority. Registration Number 689378