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


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


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.


4.8 of 5 stars from 233 reviews


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.