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No Fees. Zero. Zip.
Diddly squat.

We don't like fees, you don't like fees, so we don't
charge any. It's that simple.

A better way than
your bank.

When you need cash fast, Drafty may be a lot cheaper
than taking out an unarranged overdraft or
payday loan.^

How it works

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.

Not a personal or payday loan. It is a revolving line of credit where you can draw against your credit limit as needed and only pay interest on what you draw from the credit limit.

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.*

Flexible repayments.

There's no charge for paying back early - that's a good thing!

Ready to get Drafty?

Choose your credit limit:

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.